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Apple Card: Pay Right From Your iPhone or Apple Watch to Earn Cash Back

The Apple Card* is exclusive due to its integrations with the Apple ecosystem. You will have to have an iPhone or Apple Watch to squeeze one of the best worth out of it, however its rewards charges are aggressive with the greatest cash-back bank cards — so long as you utilize Apple Pay once you store.

When you do not use Apple Pay, there aren’t many advantages. Although you may request a bodily bank card (by the Apple Pockets app),  you may’t earn money again once you use it. And since Apple Pay is not accepted in every single place — solely 85% of retailers help it — this can be a dealbreaker for some, and particularly those that do not stay in cities. 

However the Apple Card has some compelling options. As a result of it is a natively digital product, you may apply and get authorized proper in your iPhone, and begin utilizing your card immediately with Apple Pay. The opposite main promoting level is that you simply obtain money again that you simply earn every day — as an alternative of a month-to-month foundation, like most different playing cards.

Intro ProvideN/A

APR10.99% to 21.99% (Variable)

Intro Buy APRN/A

Really helpful Credit score N/A

Reward Charges
  • Apple Card offers you limitless 3% Each day Cash again on every little thing you purchase at Apple
  • With each buy you make utilizing your Apple Card with Apple Pay, you get 2% Each day Cash again

Annual Price$0

  • Apple Card offers you limitless 3% Each day Cash again on every little thing you purchase at Apple
  • With each buy you make utilizing your Apple Card with Apple Pay, you get 2% Each day Cash again


The Apple Card options two major cash-back classes: You earn 3% money again once you store on the Apple Retailer (on-line or in individual), and a pair of% again once you use Apple Pay to make different purchases.

Buying with choose retailers will even internet you additional cash again once you pay together with your Apple Card through Apple Pay. You possibly can earn 3% limitless every day money again on eligible purchases with these retailers:

  • Nike
  • Panera Bread
  • Walgreens
  • T-Cellular
  • Exxon Mobil
  • Ace {Hardware}

These classes might change at any time with out discover.

In contrast to with most bank cards, there isn’t any flat 1% money again charge on different purchases — it’s essential to use Apple Pay to earn the money again. Take a look at the greatest rewards bank cards to earn rewards on your whole purchases.

Apple Pockets

The Apple Card is among the greatest bank cards for fast approval as a result of it robotically will get added to your Apple Pockets app, which is included on each iPhone, as quickly as you are authorized. From your Apple Pockets, you may make on-line or in-person funds and not using a bodily card — so long as the service provider accepts Apple Pay.

In accordance to Apple, 85% of all US retailers settle for Apple Pay. That is fairly good — however not as complete as a bodily bank card’s protection. Apple will give you a bodily Apple Card once you request one by the Apple Pockets app — however you do not earn money again on transactions made with the cardboard.

For extra, take a look at  our breakdown of the variations between Apple Pockets, Apple Pay and the Apple Card

Different playing cards

You possibly can add any bank card to a digital pockets app like Apple Pay and use it the identical means you’d Apple Card, however these bank cards are extra conventional in that they may also be used to earn rewards exterior of the world of digital funds.

X1 Card

The X1 Card* is one other uncommon bank card that can be utilized immediately upon approval when added to a digital pockets app. You possibly can handle the cardboard from inside its cellular app, and X1 will ship you a metallic bank card robotically — no request obligatory.

You will earn a flat 2x factors on your whole purchases, no matter whether or not you utilize a digital pockets or pay with the bodily card. There are additionally alternatives to earn as a lot as 5x factors in your purchases. Factors might be redeemed for 0.7 cents for assertion credit, so the bottom charge for “money again” is a 1.4% return in your spending. However in case you redeem your factors for purchases at choose retailers, you may redeem for 1 cent per level — making your most return on purchases 5%. 

When you make quite a lot of on-line purchases or in any other case want some flexibility to let others make purchases together with your account — say, a brief emergency bank card for a babysitter — the X1 app provides revolutionary digital bank card options.

For extra data, see our full evaluate of the X1 Card.

PayPal CashBack Mastercard®

With an almost similar rewards arrange, the PayPal CashBack Mastercard®* provides a wider internet for incomes money again than the Apple Card.

You earn 3% money again on any purchases you make with PayPal, which works equally to a digital pockets. You should use PayPal to pay together with your sensible machine wherever contactless funds are accepted, or join your PayPal account on-line at checkout the place relevant. Eligible retailers embrace Apple — so you may earn the identical charge on Apple merchandise as with the Apple Card — Nike, Goal, eBay, Walmart, The Residence Depot, Wayfair, Overstock and Resorts.com.

The digital fee restriction solely applies to the three% charge. In any other case, you earn 2% money again on purchases made wherever Mastercard is accepted.


What’s a digital pockets?

A digital pockets is an app that holds your bank card data nearly on a smartphone, pill or sensible watch. You should use your digital pockets app to simply make funds by holding your machine up to the cardboard reader wherever contactless funds are accepted, or you may autofill your card data on-line with retailers who settle for digital pockets funds, reminiscent of from Apple Pay or Google Pay.

What’s a digital bank card?

A digital bank card masks your bank card data when making purchases on-line by producing a legitimate however disposable non permanent bank card quantity. Within the occasion that your bank card data have been to fall into the fallacious palms, the data could be ineffective and your funds secure.

Is contactless fee safe?

Whether or not you utilize a bodily card or a digital pockets app, there are a handful of safety features in place to forestall bank card fraud. For digital pockets apps, a fingerprint, face recognition, or a passcode is required earlier than you make a purchase order. For bodily playing cards, EMV chips present safety by encryption.

*All details about the Apple Card, X1 Card and the PayPal CashBack Mastercard has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content material on this web page relies solely on goal, unbiased assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third celebration. Nevertheless, we might obtain compensation once you click on on hyperlinks to merchandise or companies supplied by our companions.



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