Question 1

When do Apple Card benefits expire?

Accepted Answer

Apple Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 2

How do I track Apple Card benefits?

Accepted Answer

Track Apple Card benefits by: 1) listing all 18+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 3

What are the Apple Card earning rates?

Accepted Answer

The Apple Card earns: 3x on Ace Hardware stores using Apple Pay, 3x on At Apple (stores, apple.com, App Store, and Apple services), 3x on Booking.com hotels and car rentals paid in advance using Apple Pay. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 4

Does the Apple Card have foreign transaction fees?

Accepted Answer

No, the Apple Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Apple Card

Apple Card

Earning Rates

Card Benefits

Travel

Hotels

Car Rentals

Account Services

Insurance

Rideshare

Lifestyle

Card Details