Update: Some offers mentioned below are no longer available. View the current offers here.The Apple Card launched in 2019, and, since then, Apple has taken steps to boost rewards, adding merchants that offer 3% cash back — or “Daily Cash,” as the company calls it.First, Uber and Walgreens (including Duane Reade stores) joined purchases at Apple’s own stores as the first third-party 3% merchants, followed by T-Mobile, Nike, Exxon Mobil and now Panera, as the first restaurant chain.You’ll need to pay via Apple Pay at participating merchants to earn the 3% cash back, while purchases made with Apple can be completed through traditional methods like swiping your Apple Card.With these new merchants factored in, here’s how the Apple Card stacks up to some other no annual fee cards:Card NameBest ForCash-Back OverviewIntro APR periodForeign-Transaction FeesSign-Up BonusApple CardApple purchases, simplicity3% (purchases made directly with Apple, Uber, Walgreens and Duane Reade, T-Mobile, Nike, Exxon Mobil, Panera) 2% (all Apple Pay purchases) 1% (everything else)None (10.99% to 21.99% variable APR from open)NoneNoneCiti® Double Cash CardEveryday spending2% (all purchases; 1% when you buy and 1% as you pay)0% APR for 18-months on balance transfers made within the first four months of account opening (then 13.99% - 23.99% variable APR applies) There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).3%NoneCapital One SavorOne Cash Rewards Credit CardDining entertainment, streaming services, and at grocery stores3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases0% APR for 15 months on purchases and balance transfers (then a 14.99% - 24.99% variable APR applies)None$200 one-time bonus after you spend $500 on purchases in your first 3 months from account openingAdditional reporting by Liz HundSign up for our daily newsletterEmail addressSign upI would like to subscribe to The Points Guy newsletters and special email promotions. The Points Guy will not share or sell your email. See privacy policy.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
