Cards
Cash BackGoldman SachsNo Annual Fee
Apple Card by Goldman Sachs
Key facts
Annual feeNo annual fee
NetworkMastercard
Rewards currencyApple Cash
Recommended creditFair – Good (680+)
Global Entry / TSA PreCheckCredit included
Reward rates
3% on Select Merchants
2% on Apple Pay
1% on everything else
Purchase protections
Fraud Protection
Yes — Mastercard Zero Liability Protection: not held responsible for unauthorized transactions (in-store, phone, online, mobile, or ATM) as long as you used reasonable care protecting the card and promptly reported loss/theft. Excludes certain commercial cards and unregistered prepaid cards. Source: mastercard.com/us/en/personal/protection-and-security/zero-liability-protection.html. Plus complimentary Mastercard ID Theft Protection™ (self-enrollment required at applecard.idprotectiononline.com/enroll/home) — credit file monitoring and fraud alerts. Standard Mastercard network benefit, not unique Apple Card terms.
Other benefits
Concierge / Travel Perks
Yes — Apple Card is Mastercard World Elite tier, which includes: Mastercard Travel & Lifestyle Services (free nights at partner hotels, staycation offers, property amenities/upgrades, car and RV rental savings/status upgrades, personal airport concierge; travel.mastercard.us); Priceless Experiences (curated events, e.g. golf with a pro player, celebrity chef cooking classes, fitness/wellness lessons; priceless.com); and Priceless Golf (TPC Network club access, golf travel packages, golf schools, plus — as a World Elite cardholder — Hidden Network private-course tee times and Honorary Observer/Pro-Am access at select PGA TOUR events; priceless.com/golf). Standard Mastercard World Elite network perks, not unique Apple Card terms.
Authorized User Fee
$0. Apple Card Family allows up to 5 family members to be added as co-owners or participants with their own spending limits via iCloud Family Sharing. No annual fee for additional family members.
Earn Rates
3% Daily Cash back on purchases made directly with Apple (Apple Store, Apple.com, App Store, iTunes, Apple Music, iCloud, Apple TV+, and select Apple Pay partner merchants); 2% Daily Cash back on all purchases made with Apple Pay (using the card digitally via Face ID/Touch ID); 1% Daily Cash back on all purchases made with the physical titanium card. Daily Cash is paid daily to an Apple Cash account or Apple Savings account — not as points. No annual cap, no expiration. Note: Card is transitioning from Goldman Sachs to JPMorgan Chase (announced January 7, 2026; full migration expected over approximately 24 months).
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the Apple Card by Goldman Sachs, a product of Goldman Sachs — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.