The Apple Card offers 3% cash back on Apple purchases and Apple Pay purchases at select merchants, 2% cash back in general when you use Apple Pay with your Apple Card, and 1% on all other eligible purchases.

Kansas and Missouri state law have no maximum surcharge, so the maximum allowed in both states is capped by federal law at 4%. Planos warns people to make sure they are aware of their purchases, whether it includes making sure you get a receipt, or talking to the merchant about the price you are paying.

Whether you're spending big or planning ahead, these three credit cards are built for 0% intro APR, high limits, and huge welcome perks in 2026.