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Apple has decided to enter the ring when it comes to credit cards . Yesterday, Apple announced its new credit card – the Apple Card. Backed by Goldman Sachs and carrying a Mastercard logo, it will debut this summer. Best credit card to use with Apple Pay in Canada: SimplyCash ® Preferred Card from American Express Learn More Unfortunately, for now, its initial launch will be limited to the U.S. But that doesn’t mean we can’t speculate on when it may be coming north of the border (if at all), or if it’s even a worthwhile offering. Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . Apple credit card rewards So, what will the Apple Card be offering at launch? Apple is going with a no-fee cash back card with the following earn rates: 3% cash back on Apple purchases, 2% cash back on purchases made with Apple Pay, and 1% cash back if you use your physical card. There’s no annual, foreign transaction , or late payment fees with this card (interest rates for late payments will still apply). How does the Apple Card measure up to Canada’s best cash back credit cards? There are cash back credit cards available in Canada that have similar earn rates to the Apple Card. Here are some of our top picks. Cash back credit card Earn rate Welcome bonus Eligibility Apply now Apple Card * 3% cash back on Apple purchases * 2% cash back on purchases made with Apple Pay * 1% cash back if you use your physical card None N/A Not available in Canada Amex SimplyCash Preferr ed * 2% cash back on all purchases 10% cash back, on first $4K in spend ( terms ) * Income: $0 * Credit score: Very Good (725-760) Apply now Scotia Momentum Visa Infinite * 4% cash back on groceries & recurring bills * 2% cash back on gas & daily transit * 1% cash back on all other purchases. 10% cash back on the first $2K in spend, first year free ( terms ) * Income: $60,000 personal or $100,000 household * Credit score: Very Good (725-760) Apply now Brim Mastercard * 1% cash back on all purchases * No foreign exchange fees Up to $200 in first time bonuses with Brim’s retail partners ( terms ) * Income: $15,000 personal * Credit score: Very Good (725-760) Apply now Home Trust Preferred Visa * 1% cash back on eligible purchases * No foreign exchange fees None * Income: $0 * Credit score: Good (660-725) Apply now Note that these stated credit score requirements are an estimate based on what data we have available, and approval is never guaranteed. Apple Card features But the Apple card is more than just about its rewards. It also has some other unique features. First, your cash back will be calculated and made available to you daily. There’s no waiting to get your hands on it – as soon as it’s earned, you can start using it. A bonus? You can use it for more than just statement credits. Since your cash back is a part of Apple Pay , you can use your cash rewards for any Apple Pay activity. The application process is also unique. When you apply for the card and get approved, you’ll be given a card number within minutes that you can start using right away. The physical card? You’ll receive a titanium , laser-etched Apple designed card. And for even more security, it won’t contain any numbers or information on it aside from your name. This info can only be found on Apple Pay. Available only to iPhone users That brings us to its first downside – you can only get this credit card if you have an iPhone. So it’s not available to everyone. And while Apple Pay acceptance is growing, if a merchant can’t accept Apple Pay and you have to use your physical card, you’re only getting half your rewards. How does it compare in the United States? How does the Apple card compare to cash back credit cards in the U.S. ? Well, if this were the offer here in Canada, you’d be looking at a top cash back card . In the U.S., however, you’re looking at an average card. It’s easy to get 2% cash back for no annual fees in the U.S. – the Citi Double Cash card does just that. And while no foreign exchange fee cards are rare in Canada, they are very common in the U.S., so this isn’t that much of a differentiating feature either. While it is a unique card, it’s not that special. Is the Apple Card available in Canada? The Apple Card is not currently available in Canada, so what does this all mean for us? I would say it’s still far away from being offered here. I suspect Apple will do their initial launch in the U.S. and slowly scale to other countries. Its features aren’t likely to be the same here either. The unique features such as getting your card number right after approval and getting your cash back should be the same. But the earn rates and fees are another story. I would expect the Apple earnings to stay the same but for the everyday rates to be lower. Something around 1% – 1.25% would be an expected number for Canadian cards with no income requirements. However, if they do keep the no foreign exchange fees, you’re looking at a great card for those transactions. Best cash back cards available in Canada now In the meantime, while we wait for the Apple Card to come to Canada, here are the details for some of the best cash back cards you can get in Canada right now. Best cash back card with no income requirements SimplyCash ® Preferred Card from American Express 4.8 Genius Rating 3.8 (24) User reviews Up to 10% cash back + A minimum of 2% back on purchases. * Annual fee See rates Learn more Welcome bonus $199 ◊ 10% cash back + $50 Annual rewards $612 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: SimplyCash ® Preferred Card from American Express 4.8 Genius Rating 3.8 (24) User reviews Up to 10% cash back + A minimum of 2% back on purchases. * Annual fee See rates Learn more Welcome bonus $199 ◊ 10% cash back + $50 Annual rewards $612 ◊ Learn more Credit estimate:  (725 - 759) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Looking for a great cash back card with no income requirements? The SimplyCash ® Preferred Card from American Express fits the bill. For an annual fee of $99 and no income requirements, get a flat 2% cash back on all of your purchases. Plus, get 10% cash back in the first 4 months on your first $4,000 in purchases. If you’d rather not pay an annual fee, but would still like a solid cash back American Express credit card, the SimplyCash ® Card from American Express might be better for you. SimplyCash ® Card from American Express 3.4 Genius Rating 4.0 (23) User reviews Up to 5% cash back + Get a minimum of 1.25% back on purchases. * Annual fee See rates Learn more Welcome bonus $71 ◊ 5% cash back Annual rewards $350 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: SimplyCash ® Card from American Express 3.4 Genius Rating 4.0 (23) User reviews Up to 5% cash back + Get a minimum of 1.25% back on purchases. * Annual fee See rates Learn more Welcome bonus $71 ◊ 5% cash back Annual rewards $350 ◊ Learn more Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons This cash back Amex has a flat earn rate of 1.25% cash back on all purchases, giving you a solid return on your spending for no annual fee. Best overall cash back card Scotia Momentum ® Visa Infinite * Card 4.3 Genius Rating 3.2 (77) User reviews $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $159 ◊ 10% cash back Annual rewards $498 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotia Momentum ® Visa Infinite * Card GC: $20 4.3 Genius Rating 3.2 (77) User reviews $20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $159 ◊ 10% cash back Annual rewards $498 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (725 - 759) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Our top rated cash back card right now is the Scotia Momentum ® Visa Infinite * Card. Get great earn rates on your basic day to day spending: 4% cash back on groceries and recurring bills, 2% cash back on gas and daily transit, and 1% cash back on all other purchases. If a good amount of your budget is spent on gas and groceries, this card will let you rack up some cash back quick. And for an annual fee on $120 (that’s waived for the first year) and income requirements of either $60,000 personal or $100,000 household, you have a great cash back card on your hands. Best for no foreign transactions fee and online shopping Brim Mastercard 2.5 Genius Rating 2.0 (84) User reviews Annual fee $0.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $198 ◊ Learn more Learn More Brim Mastercard 2.5 Genius Rating 2.0 (84) User reviews Annual fee $0.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $198 ◊ Learn more Credit estimate:  (760 - 900) Learn More Instant approval: No Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons A cash back credit card that also offers bonus rewards for your online shopping, the Brim Mastercard could be up your alley. With this card, you’ll earn 1% back on all of your purchases, with no caps or tiers to worry about. For the online shopper, you can also earn up to 30% back when you shop with Brim’s 150+ retail partners. And, it has no foreign transaction fees to boot. Not to mention it’s all for no annual fee and low income requirements of $15,000 personal. Want to earn more on your daily purchases? Brim offers 2 other credit cards that also offer bonus rewards for shopping at Brim’s partners, as well as no foreign transaction fees. Brim World Elite Mastercard 2.0 Genius Rating 2.6 (27) User reviews Annual fee $89.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $312 ◊ Learn more Learn More Brim World Elite Mastercard 2.0 Genius Rating 2.6 (27) User reviews Annual fee $89.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $312 ◊ Learn more Credit estimate:  (760 - 900) Learn More Instant approval: No Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Best for no foreign transaction fees and no income requirements Home Trust Preferred Visa 3.8 Genius Rating 2.6 (168) User reviews Annual fee $0.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $240 ◊ Learn more Apply Now Learn More Home Trust Preferred Visa 3.8 Genius Rating 2.6 (168) User reviews Annual fee $0.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $240 ◊ Learn more Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: No Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Want a cash back card that has no foreign transaction fees in addition to no annual fees or income requirements? The Home Trust Preferred Visa has you covered. Pay no foreign transaction fees, and save yourself the standard 2.5% fee other credit cards charge on purchases made in a foreign currency. Plus, this card will also let you earn 1% cash back on all purchases. Just keep in mind you don’t earn cash back on purchases made in a foreign currency. If saving on fees is what matters most, this card is hard to beat. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. Be the first to know about new, limited-time GeniusCash offers so that you never miss a deal. Refer your friends and family to earn bonus levels and extra cash back. Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Earn up to 5x the points on purchases. 90,000 100,000 point welcome bonus worth up to $670. Includes a Mastercard Travel Pass membership with 4 free passes.. Annual fee of $150, which is waived for the first year. $125 GeniusCash on approval ‒ offer ends Dec 31, 2025. * Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Earn up 165,000 TD Rewards points as a welcome bonus. Earn 8 points per $1 spent on travel through Expedia For TD. Earn 6 points per $1 spent on groceries and restaurants. Annual $100 travel credit for use at Expedia For TD. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Best balance transfer rate in Canada. You can get a 0% promotional balance transfer rate for 12 months to help you pay off pre-existing credit card debt. Permanent low interest rates of 12.99% on purchases and 17.99% on balance transfers (24.99% on cash advances). No annual fee. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * Bonus : Finally earn rewards on your biggest expense by paying for your rent and other bills with Chexy. Related Posts Introducing The Apple Credit Card Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Showing 3 comments Donny September 17, 2020 You said it came out yesterday... but it was last year. I'm confused Reply creditcardGenius Team November 18, 2021 Hey Donny, Sorry for the very late reply here. We originally posted the article shortly after the Apple Card launched (March 2019). We have kept the information on the credit cards listed for accuracy, which is why the last updated date is more recent than that. We've reworded the article for clarity. Thanks! Reply Darren April 4, 2019 It surprises me that people do not realize that Apple Pay works wherever tap does, even some of the merchants are surprised when I use Apple Pay. The pin pad does not have to have an Apple Pay logo on it! 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Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. 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