Rewards 3% back in Daily Cash on purchases from Apple (Apple Store, App Store, iTunes) 3% back in Daily Cash on Uber rides and Uber Eats deliveries 2% back in Daily Cash on all Apple Card transactions made through Apple Pay 1% back in Daily Cash on all Apple Card transactions made through the physical card APR for purchases Between 12.99% and 23.99% Fees Annual: None Transactions: None Penalty: None Sign-up bonus None Rewards 2% cash back on all purchases (1% when you buy, then 1% when you pay. Must pay the minimum balance on time). APR for purchases Between 15.99% and 25.99% Fees Annual: None Transactions: Balance transfer — $5 or 3% of transfer amount; Cash advance — $10 or 5% of the amount of cash advance; Foreign Transaction — 3% of each purchase in United States dollars. Penalty: Late payment — None for the first payment, up to $39 after that; Returned payment — up to $39 Sign-up bonus 0% introductory APR for balance transfers for 18 months from date of first transfer if transfer is made within four months of opening your account. Rewards 5% back at Amazon.com and Whole Foods (with Prime) 3% back at Amazon.com and Whole Foods (non-Prime) 2% back at restaurants, gas stations, and drugstores 1% on all other purchases APR for purchases Between 16.49% and 24.49% Fees Annual: None Transactions: Balance transfers — $5 or 5% of the amount of each transfer; Cash advances — $10 or 5% of the amount of each transaction Penalty: Late payment — Up to $39; Return payment — Up to $39 Sign-up bonus $70 Amazon gift card upon approval (Prime) $50 Amazon gift card upon approval (non-Prime) Rewards 1.5% cash back on every purchase APR for purchases 0% APR for the first 15 months; Between 16.24% and 26.24% after Fees Annual: None Transactions: Balance transfers — 3% of the amount of each transferred balance during first 15 months that account is open or a promotional APR offered, none for transferred balances at the Purchase APR after first 15 months that your account is open; Cash advances — $10 or 3% of the amount of each cash advance Penalty: Late payment — Up to $39 Sign-up bonus One-time $150 cash bonus once you spend $500 on purchases within 3 months of opening your account.