Does the Apple have an annual fee?

No. Our record lists a $0 annual fee for the Apple.

What does the Apple earn?

3x on Apple Purchases, 1x on Daily Cash, and 2x on other purchases.

Is the Apple worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Apple Purchases), the first year comes out around $270 before credits, including a welcome bonus valued at $0. Year two drops to about $270 before credits.

What credit do I need for the Apple?

Our record lists "Good" credit as the typical target for the Apple. Goldman Sachs makes the final decision based on its own criteria.

Apple Card

Goldman Sachs

No Annual Fee

Annual Fee

mastercardGoodno-annual-fee16 days ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Apple Card right for you?

The Apple is a no-annual-fee rewards card from Goldman Sachs. Its strongest everyday earning is 3x on Apple Purchases, with 2x on most other purchases. With no fee, the question is simply whether 3x on Apple Purchases beats what your current card earns there.

Who it's for

✓ People who spend steadily on Apple Purchases, where it earns 3x
✓ Anyone who wants Apple Purchases rewards without paying an annual fee

First-year value estimate

Welcome bonus

Rewards on spending

$270

Annual fee (year 1)

−$0

Year 1, before credits

$270

Year two, without the welcome bonus: about $270 before credits ($270 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Apple Purchases (3x) and $9,000 on everything else (2x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How it compares

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

American Express EveryDay →

American Express, same $0 annual fee; earns 2x on U.S. gas stations.

AARP Travel Rewards Mastercard from Barclays →

Barclays, same $0 annual fee; earns 3x on airfare.

Compare side by side →

Frequently asked questions

Does the Apple have an annual fee?: No. Our record lists a $0 annual fee for the Apple.
What does the Apple earn?: 3x on Apple Purchases, 1x on Daily Cash, and 2x on other purchases.
Is the Apple worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Apple Purchases), the first year comes out around $270 before credits, including a welcome bonus valued at $0. Year two drops to about $270 before credits.
What credit do I need for the Apple?: Our record lists "Good" credit as the typical target for the Apple. Goldman Sachs makes the final decision based on its own criteria.

Earning Rates

3×Apple Purchases3x on Apple products, apps, subscriptions, and services purchased directly from Apple

2×Other Purchases2x on all other purchases (except cash back category)

1×Daily Cash1% cash back on everything else

Other Benefits

Daily Cash

Instant cash back (not points) deposited daily to your Apple Cash card

No Fees

No annual fees, no late fees, no foreign transaction fees, no penalty APR

Apple Pay Integration

Seamless integration with Apple Pay for secure mobile payments

Titanium Card

Physical titanium credit card with no card number embossed (for use where Apple Pay is not accepted)

Insurance

Sources

Last Updated: Oct 3, 2026