Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on apple (catalog median is 1x)
- 2x on hotels (catalog median is 1.5x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$396/yr
$396 rewards
#32 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$446/yr
$446 rewards
#37 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$496/yr
$496 rewards
#33 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
3x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
2% with Apple Pay, 1% with the physical card or card number. 3% at Apple, and with Apple Pay at Ace, Booking.com (via Apple), ChargePoint, Duane Reade, Exxon Mobil, Hertz, Nike, Uber, Uber Eats and Walgreens. Modeled at 2% where Apple Pay is common (dining, grocery, gas, travel, online checkout) and 1% for bills, subscriptions and merchants without Apple Pay (Amazon, Walmart).
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 apple, 2x on flights, 2x on hotels. Everything else earns 1x.
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