Apple Card
PersonalGoldman Sachs
No Annual Fee
Reward Categories
Apple
All purchases
Drug Stores
Walgreens Only
Gas Stations
Exxon and Mobil stations only
Home Improvement Stores
Ace Hardware Only
Specified Store(s)
You get 3% cash back daily on the following merchants: - Apple - Ace Hardware -…
Uber
All purchases
Digital Wallet Payments
Apple Pay Only
Target
Apple Pay Only
All Other
All purchases
Welcome Bonus
Welcome Bonus
$0 Cash Back
Limited Time: $75 Cash Back (Expires: Jan 12, 2026)
Fees & Features
Annual Fee
No Annual Fee
Foreign Transaction
No Fees
Transfer Partners
Not Available
Travel Portal
Not Available
About the Apple Card
Most portals show Apple Card cashback as "pending" within 24-48 hours, then it becomes withdrawable after the store's return window closes (usually 30-90 days). Each portal has different timelines — CashBackStacks helps you track across all of them.
Apple is the top earning category for the Apple Card at 3%. Pair it with portal cashback to maximize your return.
The Apple Card has no foreign transaction fees. You can use it for international purchases without any added costs, and your category bonuses still apply on foreign transactions.
Yes — the Apple Card's 3% category bonus stacks with shopping portal cashback. Use a portal like Rakuten or TopCashback, pay with your Apple Card, and earn both rates on the same purchase. CashBackStacks shows the combined stack for every store.
Yes — Apple Card cashback rates often spike during Black Friday, Cyber Monday, and major holidays. Portals compete for shoppers by temporarily boosting rates. CashBackStacks' Hot Deals page flags these spikes and the rate history chart shows exactly when rates peak.
The Apple Card's 0 cashback welcome offer can be very valuable — especially when combined with portal cashback and card-linked offers on your qualifying purchases.
Ready to Apply?
Apple Card - Start earning rewards today
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