Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on gas (catalog median is 2x)
- 3x on rideshare (catalog median is 1x)
- 3x on apple (catalog median is 1x)
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$504/yr
$504 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$532/yr
$532 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$560/yr
$560 rewards
Rewards by Category
Dining
2x
Grocery
2x
Gas
3x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
3x
Streaming
2x
Amazon
2x
Costco
2x
Other
2x
Apple
3x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% at Apple and select merchants using Apple Pay, 2% everywhere else with Apple Pay, 1% with physical card.
Apple Card FAQ
What is the Apple Card annual fee?
The Apple Card has no annual fee.
What are the best spending categories for the Apple Card?
3x on gas, 3x on rideshare, 3x on apple. Everything else earns 2x.
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