Bring on the benefits.

New with Apple Card

Your benefits just got an upgrade.

You can now get 3% Daily Cash back when you use Apple Card with Apple Pay at Booking.com on eligible stays and car rentals when booked using this link,¹ and at qualifying ChargePoint stations and on purchases of home chargers.²

Plus, an exclusive travel benefit offered by Booking.com.

Daily Cash. Easy as 3, 2, 1%.

No matter where you shop with Apple Card, you always get unlimited Daily Cash back. That’s real cash³ you can get back every day. Use it right away⁴ with Apple Pay, send it to a friend with Apple Cash, or watch it grow when you open a high yield Savings account through Apple Card.⁶

Buy anything from Apple using Apple Card — including services like Apple Music or Apple TV, games and apps from the App Store, even in-app purchases — and enjoy 3% cash back.

3%

back at select merchants using
Apple Card with Apple Pay.*

Limitations apply. See terms for details.

2%

back when you use Apple Pay.

Earn 2% Daily Cash back anywhere else when you use Apple Card with Apple Pay. It’s accepted at over 85% of U.S. retailers. Just look for Apple Pay or Contactless at checkout.

1%

back when you use the titanium card.

Earn 1% Daily Cash back when you use the titanium card or your virtual card number wherever Mastercard is accepted.

Learn how to order your titanium card

An exclusive travel benefit. Offered by Booking.com.

Get 2% in Booking.com Travel Credits when you use Apple Card on eligible stays and car rentals using the link below.⁷ That’s in addition to 3% Daily Cash back using Apple Card with Apple Pay. To access this benefit you must use the link below to visit the Booking.com portal for Apple Card customers.

Learn about this benefit at Booking.com

Grow your Daily Cash in a Savings account.

Apple Card gives you up to 3% unlimited Daily Cash back on every purchase. That’s real cash you can use right away, to send to a friend or use wherever Apple Pay is accepted when you send Daily Cash to Apple Cash. ⁠⁠⁠⁠⁠⁠

And with Savings, you can choose to send your Daily Cash into a high-yield Savings account where it can earn 3.75% annual percentage yield (APY)⁸. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Add money from your bank account to Savings at any time, directly in the Wallet app. If you need to move money out, withdrawals to Apple Cash are typically instant, and usually take 1-3 business days with other bank accounts.⁹ No minimum deposits, fees, or balances required.¹⁰

Open a Savings account

Healthy finances. Family style.

Share the benefits of Apple Card with anyone in your Family Sharing group — whether it’s a partner, a child, or someone else you trust.¹¹ It’s a great way for everyone on the account to work toward healthy finances together.

Add a Co-Owner¹² to build credit as equals¹³ and manage the account together. You can also add kids and young adults as Participants.¹⁴ And if a Participant is over 18, they can have the option to start building their own credit history.¹⁵ Plus, everyone gets to enjoy their own unlimited Daily Cash back when they use Apple Card for their purchases.¹⁶

Learn how to add someone to your Apple Card Family

Pay for new Apple products ⁠over time, interest-free.¹⁷⁠

Apple Card Monthly Installments lets you buy new Apple products, like iPhone, Mac, iPad, and more, and pay them off with interest-free monthly payments. You get 3% Daily Cash back, all up front. Simply choose Apple Card Monthly Installments at checkout as your payment option when you make your purchase at an Apple Store, in the Apple Store app, or on apple.com.

Learn more about Apple Card Monthly Installments

Accepted globally,⁠ ⁠⁠with no foreign transaction fees.¹⁸⁠

Because Apple Card is part of the Mastercard network, it's accepted anywhere in the world. Plus, you have access to Mastercard benefits, like identity theft protection. And because Apple Card is designed to have no fees at all, you won't get charged any foreign transaction fees.

See all Mastercard benefits for Apple Card customers

* Merchant offers may change at any time. Booking.com Travel Credits are fulfilled by Booking.com B.V. and are unaffiliated with Apple Card's Daily Cash program. Apple Inc., Apple Payments Services LLC, a subsidiary of Apple Inc., and Goldman Sachs Bank USA are not responsible for fulfillment of Booking.com's Travel Credits rewards program.
Ace Hardware: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay online, in the mobile app, and at participating stores listed at acehardware.com/applecard. Excludes online and mobile app gift card purchases and purchases from 3rd party merchants using independent point-of-sale systems within a participating Ace Hardware store. Please check with your local participating Ace Hardware store whether your purchases are eligible for 3% Daily Cash.
Exxon Mobil: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay (where available) at Exxon- or Mobil-branded pumps and attached convenience stores. To pay at the pump with Apple Pay, use either Exxon Mobil Rewards+ mobile app or contactless payment. Excludes purchases at third-party merchants, including independent car washes, located within an Exxon- or Mobil-branded location or the attached convenience store.
Nike: 3% Daily Cash is available on purchases made in the U.S. using Apple Card with Apple Pay at Nike stores, Nike.com, the Nike mobile app, the Nike SNKRS app, and Swoosh.com. Excludes purchases at Nike pop-up events.
T-Mobile: 3% Daily Cash is available for purchases using Apple Card with Apple Pay in T-Mobile U.S. stores, and bill payments and AutoPay on T-Mobile.com and in the T-Mobile app. Authorized T-Mobile dealers are not eligible for 3% Daily Cash and can be found on T-Mobile.com/store-locator. Sprint account payments and purchases made through any Sprint checkout, including those at T-Mobile U.S. stores, are not eligible for 3% Daily Cash.
Uber/Uber Eats: 3% Daily Cash is available on purchases using Apple Card with Apple Pay in the Uber and Uber Eats apps, uber.com and ubereats.com. Daily Cash is earned on the total purchase amount charged to your Apple Card. 3% Daily Cash is not earned on 1) purchases of alcohol in the following states: Oregon, Louisiana, Georgia, Washington, Missouri, 2) Uber Gift Card purchases made on any web browser, 3) Purchases where Uber is not the merchant processing or fulfilling the transaction, for example, bike and/ or car rentals paid for directly with third parties or at rental pickup, or purchases made through third-party apps, affiliate brands or services, and 4) purchases where Apple Pay is not available as a payment option, which may apply to Split Fares and Group Orders, as well as orders made using Uber Freight, Uber Family, Uber Teen, Uber Vouchers, and Uber Transit. Users should always confirm that Apple Card with Apple Pay is the selected payment method before completing a purchase in order to earn 3% Daily Cash. Apple Pay is not available in all markets.
Walgreens: 3% Daily Cash is not available at Sprint Express and independent health service providers, including Walgreens Optical and Walgreens Hearing, or for orders made on third-party delivery apps.

Booking.com: 3% Daily Cash is earned on eligible prepaid stays and car rentals booked through the exclusive Booking.com link provided here and when using Apple Card with Apple Pay. Eligible stays include those paid for using the “Pay Now” rate at the time of booking and can be identified on the site with a badge labeled “Apple Card Benefits”. Eligible car rentals include those paid for using either the “Pay Now” rate or “Pay Part Now, Pay Part Later” rate at the time of booking. Daily Cash is only earned on the prepaid portion of “Pay Part Now, Pay Part Later” rate. You must use the exclusive Booking.com link provided to access eligible stays and car rentals. Stays and car rentals booked through Booking.com’s mobile app or through Booking.com’s website, when not using the exclusive link provided, may not be eligible for 3% Daily Cash. Excluded from earning 3% Daily Cash are: (1) bookings paid for using “Pay at Property”, “Pay Later” or “Partner Offer” Rates, (2) bookings in the categories of flights, flight + hotel (or any other combination of a package deal that includes flight, hotel and/or car rental), cruises, attractions, and airport taxis, (3) any amounts paid directly to third-party stay or car rental companies at time of arrival (e.g. deposits, local fees, taxes, or additional services added), (4) bookings made through (i) any corporate apps or websites that Booking.com provides to companies for employee corporate travel; or (ii) any B2B or partner-specific, co-branded or white label sites, (5) bookings made through Booking.com website and mobile app when accessed from a non-U.S. IP address. Booking.com is not responsible for fulfillment of Apple Card Daily Cash back.
ChargePoint: 3% Daily Cash is available when using Apple Card with Apple Pay to pay for electric vehicle charging at public ChargePoint charging stations through the ChargePoint app, at ChargePoint stations with contactless readers, in the ChargePoint Wallet Pass, and home charging purchases through ChargePoint.com. Not valid for purchases at private charging stations or for fleet services, for commercial hardware and software, for support services (i.e. Assure and AssurePro), or for hardware from third parties. Additional terms and restrictions may apply. See ChargePoint.com for more information.
You can choose to direct Daily Cash to a Savings account or to an Apple Cash account. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit upon request. Apple Card is issued and Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information.

Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.
Subject to credit approval.
Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Learn more about the Terms and Conditions. Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can only send or receive up to $2000 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to $2000 within a rolling seven-day period. Other limits apply, see Terms and Conditions for details. To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.
To access Savings, Apple Card Owners and Co-Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and Co-Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co-Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash account and Savings accounts. Owners and Co-Owners may individually change where their Daily Cash is deposited at any time. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or US Minor Outlying Islands. To set up Savings, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.
Additional Booking.com Benefits: As part of Booking.com’s Rewards and Wallet program, Apple Card customers earn 2% in Booking.com Travel Credits on eligible bookings as described here, or when you use Apple Card on qualifying “Pay Now” stays and car rentals, and “Pay Part Now, Part Later” car rentals after using the exclusive Booking.com link provided to book eligible stays and car rentals using Apple Card. Travel Credits are only earned at the completion of an eligible stay or car rental, are only for use on future bookings on Booking.com and subject to all terms and conditions found here. Booking.com Travel Credits are fulfilled by Booking.com B.V. and are unaffiliated with Apple Card’s Daily Cash program. Apple Inc., Apple Payments Services LLC, a subsidiary of Apple Inc., and Goldman Sachs Bank USA are not responsible for fulfillment of Booking.com’s Travel Credits rewards program.
Annual Percentage Yield as of March 26, 2024. APY may change at any time before or after account is opened. Maximum balance limits apply. See the Deposit Account Agreement for more information regarding balance limits.
Transfer limits apply to Savings transfers to and from Apple Cash. Transfers may be subject to additional limitations; please see the See the Deposit Account Agreement for more information. For transfers to external banks, withdrawals from Savings typically occur within 1-3 business days; please contact your external bank regarding availability of funds sent from Savings.
Maximum balance limits apply. See the Deposit Account Agreement for more information regarding balance limits.
Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.
Each Co-Owner is individually liable for all balances on the co-owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an Owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of a new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at anytime, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.
Building credit “equally” means that the payment history and other information about your Apple Card will be reported to credit bureaus for each Co-Owner. Each Co-Owner is individually liable for all balances on the co-owned Apple Card, and each will be reported to credit bureaus as an owner on the account. Credit reporting includes payment history and other information about your Apple Card, including negative items like missed payments. Card usage and payment history may impact each Co-Owner's credit score differently, because each individual’s credit history will include information that is unique to them. Either Co-Owner can close the account at any time, but you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.
If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. The account owner remains responsible for all purchases made by a Participant. For more details, including some risks and benefits of being a Participant, click here.
If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. For details on credit reporting, click here. For more details, including some risks and benefits of being a Participant, click here.
An Apple Cash account is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash account. If you do not have an Apple Cash account, Daily Cash can be applied as a credit on account Owner’s statement balance by contacting Goldman Sachs Bank USA.

Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.
Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible products purchased at Apple Store locations, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See support.apple.com/102730 for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of January 1 2025, the variable APR on new Apple Card accounts ranges from 18.24% to 28.49%. You must elect to use ACMI at checkout. If you buy an ACMI-eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers: AT&T, Boost Mobile, T-Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government and Veterans and Military Purchase Programs; or on refurbished devices. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount. ACMI is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the Apple Card Customer Agreement for more information about ACMI.
Variable APRs for Apple Card range from 18.24% to 28.49% based on creditworthiness. Rates as of January 1, 2025. Existing customers can view their variable APR in the Wallet app or card.apple.com.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.
Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.
If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.