Goldman Sachs

Apple Card

A no-annual-fee cash back card from Goldman Sachs.

Cash back only

Annual fee

No annual fee

Welcome bonus

None

Min spend

N/A

Recommended credit

Fair to Good (640+)

Network

Mastercard

Foreign transaction fee

None

Apply on Goldman Sachs site 7.1/10Our rating · review ›

Rates, fees, and full terms are set by Goldman Sachs and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →

Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on Apple purchases.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3% Daily Cash back at Apple and select partners (Nike, Uber, Walgreens & more)

2% Daily Cash on all Apple Pay purchases

1% when using the physical titanium card

Daily Cash deposited instantly, spend it right away via Apple Cash

0% interest Apple Card Monthly Installments for Apple products

Goldman Sachs FDIC-insured high-yield savings account for Daily Cash

Best ways to earn & redeem

Put your Apple purchases spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.