Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Goldman Sachs Apple Card is a no-annual-fee cash back card from Goldman Sachs. The headline 3% applies only to travel booked through Booking.com; everywhere else it earns 1%.
On our reference budget of $24,600 a year it returns about $306, an effective 1.2% back.
Compare it with the alternatives below before applying; nothing about its earning stands out.
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Get 3% back on everything you buy from Apple, whether you buy it at an Apple Store, apple.com, the App Store, or iTunes.
Get 2% back every time you buy something using Apple Pay.
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
Save on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay
No welcome bonus is stored for this catalog entry yet.
When you buy something with Apple Card you get a percentage of your purchase back in Daily Cash. There's no limit to how much Daily Cash you can get. And it automatically goes into your Apple Cash account, so you can use it just like cash.
These come from Mastercard, not from Goldman Sachs. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Apple CardThis card · 1% on everything | None | $306 | +$306 | 534th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
