Instant cash back is cool. Limited rewards opportunities and just so-so cash back rates, not so much. Bottom line: The Apple Card is most worthwhile for frequent Apply Pay users and Apple product loyalists who need a 0% interest financing option. thumb_up Likes Unlimited cash back deposited daily into account2% cash back when using Apple Pay3% cash back on Apple productsNo fees. NadaInterest-free financing on iPhones, iPads and MacsCan help others build credit thumb_down Dislikes Reliant on Apple Pay, having an up-to-date iPhone and Apple Wallet3% limited to purchases directly from Apple and a handful of partnersBlah 1% default rate where Apple Pay isn’t acceptedNo sign-up incentivesPC/Android people: Don’t even bother Category Default Rate Bonus Rate Bonus Spend Cap Bonus Spend Period (Months) Gas 1.00% - - - Travel 1.00% - - - Dining 1.00% - - - Entertainment 1.00% - - - Pharmacy 1.00% - - - Groceries 1.00% - - - Other Purchases 1.00% - - -