Spend. Earn.
See it add up.

Apply now

Apple Card has no fees1 and gives you up to 3%
Daily Cash back on every purchase. It’s unlimited,
real cash2 to spend or grow automatically when you open a
high-yield Savings account3 through Apple Card.

Maximize your
Daily Cash.

3%

Prioritize earning 3% on all your favorite products and services at Apple and at select merchants like Nike, Uber, and Walgreens when using Apple Card with Apple Pay*. That’ll get you the most back every time.

2%

Always use Apple Card with Apple Pay to earn 2% back everywhere else. Apple Pay is accepted at more than 85% of the places you shop in the US.

1%

Use the titanium Apple Card or your virtual card number at places where you can’t use Apple Pay. You’ll still earn 1% back.

Earning real cash with
Apple Card is simple. 
Based on
the inputs
above, you could
earn
$528 Daily Cash
annually when you spend
$2,000 monthly.

Automatically deposit that
into Savings for 1 year to
grow it to $548.5

And, you can boost your growth by adding more funds from a linked bank account whenever you like.6

Earn 3% back at Apple.
And at select merchants* when using
Apple Card with Apple Pay.

Earn 2% back
on all other
Apple Card purchases
made
with
Apple Pay.

Earn 1% back
when you pay
with your
titanium
Apple Card
or virtual
card number.

Grow your
Daily Cash
automatically.

When you open Savings through Apple Card, you can automatically deposit your Daily Cash and grow it at 3.75% annual percentage yield (APY).

Savings has no fees and requires no minimum deposits.7

WPC Daily Cash | Getting Started with Apple Card | Background WPC Daily Cash | Wallet Icon

Get Started
with Apple Card.

Apply in as little as a minute to see your credit
limit offer with no impact to your credit score.8

Apply now

* Merchant offers may change at any time.

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.


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/Duane Reade: 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.

  1. 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. Late or missed payments will result in additional interest accumulating toward your balance.
  2. 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.
  3. 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.
  4. Annual Percentage Yield as of March 26, 2025. 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.
  5. Amount shown is based on your inputs in the calculator above and for illustrative purposes only. Assumes earned Daily Cash figure above is earned each year, principal and interest stay on deposit, and daily deposits of Daily Cash. Values rounded to nearest dollar. APY as of 3/26/25; may change any time.
  6. Transfer limits apply to Savings transfers to and from Apple Cash. Transfers may be subject to additional limitations; please 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.
  7. Maximum balance limits apply. See the Deposit Account Agreement for more information regarding balance limits.
  8. Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • 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.
  • All rights reserved. Copyright © 2025 Apple Inc. One Apple Park Way, Cupertino, CA 95014.