Goldman Sachs
Apple Card
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Card review
Apple Card
Goldman Sachs
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$487/yr
Credit score
Good
Top earn rate
3% everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Apple Card from Goldman Sachs carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $487.20 in rewards plus $0.00 in credits and perks — $487.20 net per year before welcome bonuses.
How the points work
Earn 3% back on select merchants using Apple Pay:
- Apple (including Apple stores, App Store, and Apple services)
- Uber and Uber Eats
- In-store T-Mobile
- Nike (in U.S. stores, via Nike.com and on Nike apps)
- Walgreens and Duane Reade
- Panera Bread (U.S. store only, excludes gift card purchases)
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseShopping | 3% |
| DiningDining | 2% |
| TravelTravel | 2% |
| TravelFlights | 2% |
| TravelHotels | 2% |
| GroceriesGroceries | 2% |
| GasGas & Transit | 2% |
| EntertainmentStreaming | 2% |
| Everything elseOther | 1% |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Daily Cash
Daily Cash deposited automatically to your Apple Cash balance every day.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- We flag 670+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.