Apple Card
For iPhone users who pay with Apple Pay most of the time. Apple Pay purchases earn 2% Daily Cash, everything bought at Apple and Apple Pay purchases at select merchants such as Uber, Walgreens, Nike and Exxon Mobil earn 3%, and the titanium card earns 1%. There are no annual, over-the-limit, foreign-transaction or late fees. The caveat: purchases made with the physical card earn only 1%, and Apple's page shows no sign-up bonus or intro APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual, foreign-transaction or late fees
- Daily Cash can go into an Apple Card Savings account
- Apple Card Monthly Installments: a 0% APR payment option on eligible Apple products
- Apple Card Family lets you share the account
- The hard inquiry happens only when you accept an approved offer
- Annual fee: $0
- Regular purchase APR: 17.74% - 27.99% Variable
- Late payment fee: None
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on October 12, 2026 and may change.
- You pay with Apple Pay on your iPhone most of the time and want 2% back.
- You buy Apple products and want 3% plus a 0% installment option.
- You want a card with no annual, foreign-transaction or late fees.
- You should skip it if you mostly pay with the physical card: that spending earns 1%.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
63 results: 47 approved, 16 denied. Approval rate 75% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | TransUnion | - | TX | Jul 2023 |
| Approved | 670 to 739 | TransUnion | - | CA | Dec 2022 |
| Approved | 740 to 799 | Equifax | - | NY | Sep 2022 |
See all 63 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.