Last updated: 5/6/2021

Apple Card

Earns: Cash Back

GigaTake:

Certainly one of the cooler and most elegant cards on the market, but you may be able to earn more elsewhere. The 2% cash back requires using Apple Pay while other cards will give you 2% back on all of your spending.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 3% cash back at Apple and a collection of other stores.
  • Cash back posts almost instantly.

Cons

  • Must be used through Apple Pay to get 2% cash back.
  • 1% cash back for all other purchases is underwhelming.

See how the Apple Card compares to other credit cards

Apple Card Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 0

Value = 1 cent per point
Effective Value = $0

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$0 Cash Back
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3% Apple

Excellent

excellent

Excellent

In the top 15% of cards.

3% Duane Reade

Excellent

excellent

Excellent

In the top 15% of cards.

3% Exxon

Excellent

excellent

Excellent

In the top 15% of cards.

3% Mobil

Excellent

excellent

Excellent

In the top 15% of cards.

3% Nike

Excellent

excellent

Excellent

In the top 15% of cards.

3% Panera Bread

Excellent

excellent

Excellent

In the top 15% of cards.

3% T-Mobile

Excellent

excellent

Excellent

In the top 15% of cards.

3% Uber

Excellent

excellent

Excellent

In the top 15% of cards.

3% Uber Eats

Excellent

excellent

Excellent

In the top 15% of cards.

3% Walgreens

Excellent

excellent

Excellent

In the top 15% of cards.

2% Apple Pay

Excellent

excellent

Excellent

In the top 15% of cards.

1% All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

PURCHASES APR 10.99% to 21.99%
FOREIGN TRANSACTION FEE 0%