What cashback does the Apple Card earn?

The Apple Card earns 3% Daily Cash at Apple (apple.com, App Store, Apple TV+, Apple Music) and select partners (Ace Hardware, Duane Reade, Nike, Panera, T-Mobile, Uber, Walgreens, and others). It earns 2% Daily Cash on all purchases made with Apple Pay. All other purchases made with the physical titanium card earn 1% Daily Cash.

Is there an annual fee for the Apple Card?

No. The Apple Card has no annual fee, no foreign transaction fee, no late fee, and no over-limit fee. It is one of the few premium credit cards with zero fees of any kind.

What is the APR on the Apple Card?

The Apple Card has a variable APR ranging from approximately 19.99%–29.99% as of 2026, depending on creditworthiness. Apple Pay Later (formerly a BNPL product) is separate from the Apple Card. The card does not have an introductory 0% APR period.

How does Daily Cash work on the Apple Card?

Daily Cash is Apple Card's cashback system. Cashback is deposited to your Apple Cash balance every day — not at the end of a billing cycle. From your Apple Cash balance, you can use it to pay your Apple Card bill, send it via Apple Cash, spend with Apple Pay, or transfer to your bank. There is no minimum redemption amount.

Apple Card Review 2026: 3% Cashback and Daily Cash

The Apple Card earns 3% Daily Cash at Apple and select partners, 2% with Apple Pay, and 1% elsewhere — with no annual fee and no fees of any kind. Here is the full 2026 review.

Apple Card at a Glance

Feature	Details
Annual fee	$0
Foreign transaction fee	$0
Late fee	$0
3% Daily Cash	Apple, select partners
2% Daily Cash	All Apple Pay purchases
1% Daily Cash	Titanium card purchases
APR	~19.99%–29.99% (variable)
Intro APR	None
Card material	Titanium (physical card)
App	Wallet app (iPhone only)

Daily Cash Earning Rates

Category	Rate	Examples
Apple purchases	3%	apple.com, App Store, Apple TV+, Apple Music, Apple Arcade
Select partners	3%	Nike, Uber, Uber Eats, Walgreens, Duane Reade, T-Mobile, Panera, Ace Hardware
Apple Pay (everywhere)	2%	Tap-to-pay at any merchant accepting Apple Pay
Physical card (swipe/chip)	1%	Anywhere Mastercard accepted, no Apple Pay

On $1,000/month spending at 2% average:

$1,000 × 2% = $20/month → $240/year in Daily Cash

How Daily Cash Works

Make a purchase with Apple Card
Cashback appears in your Apple Cash balance within 24 hours (usually same day)
Use Daily Cash to:
- Pay your Apple Card statement balance (directly from Wallet app)
- Send to friends via Apple Cash (iMessage)
- Pay with Apple Pay anywhere
- Transfer to your bank account (1–3 business days)

3% Partners List (2026)

Apple expands the 3% partner list periodically. Current confirmed partners include:

Nike (Nike.com and Nike app)
Uber and Uber Eats
Walgreens and Duane Reade
T-Mobile
Panera Bread
Ace Hardware

Always pay with the Apple Card in-app or via Apple Pay at these merchants to earn 3%.

Apple Card vs Venmo Credit Card vs PayPal Cashback

Card	Best rate	Everywhere else	Annual fee
Apple Card	3% (Apple + partners)	2% (Apple Pay)	$0
Venmo Credit Card	3% (top category auto-detected)	1%	$0
PayPal Cashback Mastercard	3% (PayPal checkout)	1.5%	$0

Apple Card’s 2% on all Apple Pay is the best flat-rate option for tap-to-pay users — Apple Pay is accepted at most major US retailers.

Requirements and Application

Device: iPhone required (Apple Card is managed entirely in the Wallet app)
Credit score: Typically 670+ for approval
Apply in the Wallet app → tap the + button → Apple Card

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Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy