As a reminder, Apple launched its credit card in 2019, which remains available only in the U.S. You can manage the card in your iPhone Wallet app, where you can see color-coded spending summaries. It has no annual fee and offers 2-3% cash back on purchases made via Apple Pay. You get 1% back on purchases with the physical card. Since 2023, Apple has offered a high-yield savings account to Apple Card holders. That offers an annual percentage yield of 4.15%. Currently, the card is backed by Goldman Sachs, but Apple announced this year that it is transitioning to Chase Bank by 2028. Follow Tom's