That doesn't mean you can't use your Apple Card to spend money at those merchants, but it does mean you earn cash back at the lowest tier-1% Daily Cash on your purchases. Rewards Rate Is Low if You Don't Use Apple Pay: Not every merchant accepts Apple Pay yet.Cardholders can simply select Apple Card Monthly Installments when they shop in Apple Stores, on, or on the Apple Store App and get low monthly payments with zero interest. Offers the ability to pay for Apple purchases in installments: Another feature available allows most Apple purchases to be paid in installments over time with no interest.That makes it a highly convenient card option if you're already using Apple Pay for purchases. The card lives inside the Wallet app on your mobile device and you can sign in to use it with Apple Pay for purchases online or in-store. Easily Integrates with Apple Pay: The Apple Card is designed to be used with the Apple Pay mobile payment app.Not special-event ones, like for foreign transactions or currency exchanges. Not punitive ones, like for late payments or going over your credit limit. Has No Fees: Many card companies are cutting back on fees, but the Apple Card comes with absolutely none.Overall, the three tiers of cash rewards are comparable to what you can find with other cash back credit cards. Daily Cash rebates on Apple purchases are available upfront and are immediately deposited to your Apple card to use as you please.

The amount of cash you can earn depends on what you buy and how you pay (i.e., the physical card or Apple Pay).

Earn 1%–3% Cash Rebates on Purchases: The Apple Card rewards you with cash back, or 'Daily Cash,' as Apple calls it, on every purchase.Rewards rate is low if you don't use Apple Pay

Apple card credit score range