Is the Apple Card worth a spot in your wallet?

The honest math on the Apple Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

Goldman Sachs · No annual fee · cash back

Earning rates

3x Purchases directly from Apple
3x Select merchants via Apple Pay
2x Everywhere else via Apple Pay
1x Physical titanium card or virtual card number (no Apple Pay)

Protections and perks (1)

No Foreign Transaction Fees — No surcharge on purchases made abroad.

Card data verified against Goldman Sachs on 2026-08-21.

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