Apple Card cashback rate, cap and annual fee
Apple Card pays 3% at Apple, and 11 other rates.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Goldman Sachs · United States · catalogue v103
Read from Goldman Sachs's own published terms on 15 Oct 2026.
NoneAnnual fee
3%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Appleeverything else | 3.00% | —3% Daily Cash on everything bought at Apple, including the App Store and Apple services. |
| Ace Hardware, Apple Payeverything else | 3.00% | —3% at Ace Hardware in the U.S., with Apple Card in Apple Pay. |
| Nike, Apple Payeverything else | 3.00% | —3% at Nike in the U.S., with Apple Card in Apple Pay. |
| Booking.com Apple Card link, Apple Paytravel | 3.00% | —3% on eligible Booking.com stays and car rentals booked through booking.com/apple-card and paid in advance, with Apple Card in Apple Pay. |
| Hertz, Apple Paytravel | 3.00% | —3% on eligible Hertz rentals booked in the app or on Hertz.com at qualifying locations, with Apple Card in Apple Pay. |
| Exxon and Mobil, Apple Payfuel | 3.00% | —3% on fuel, convenience store and car wash purchases at Exxon and Mobil stations in the U.S., with Apple Card in Apple Pay. |
| ChargePoint, Apple Payfuel | 3.00% | —3% on ChargePoint charging and home chargers, with Apple Card in Apple Pay. |
| Uber, Apple Payonline and delivery | 3.00% | —3% in the Uber app or at uber.com, with Apple Card in Apple Pay. |
| Uber Eats, Apple Payonline and delivery | 3.00% | —3% in the Uber Eats app or at ubereats.com, with Apple Card in Apple Pay. |
| Walgreens and Duane Reade, Apple Paypharmacy | 3.00% | —3% at Walgreens in the U.S. and Duane Reade in New York and New Jersey, with Apple Card in Apple Pay. |
| paid with Apple Payeverything else | 2.00% | —2% Daily Cash on every purchase paid with Apple Card through Apple Pay. |
| everything else | 1.00% | —1% Daily Cash on every purchase with the titanium card (and the card number). Apple: "When you use the card, you'll get 1% Daily Cash back on every pu |
Fixed: this entry said Visa; Apple Card is a Mastercard, issued by Goldman Sachs Bank USA. The base rate is now on Apple's own page: 1% on the titanium card, 2% with Apple Pay, 3% at Apple and at Apple's listed merchants with Apple Pay. The 1% is the card's general rate here and the 2% is tagged to Apple Pay, the lower reading; Apple: "3% Daily Cash back using Apple Card with Apple Pay is not offered for purchases made with a titanium Apple Card or using your virtual card number." No annual, foreign-transaction or late fees. Daily Cash is cash, with no limit. Source: apple.com/apple-card and Apple Support article 120400, read 15 Oct 2026.
Questions people ask
What cashback does the Apple Card pay?
3% at Apple, and 11 other rates.
Is there a cap on the Apple Card?
No monthly cap is published on the rates shown here.
What is the annual fee on the Apple Card?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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