Apple Card
Apply now

Reboot your
credit card.

Apple Card is a no-fee1 credit card that gives you real cash back2 on every purchase.

And for a limited time, you can earn 5% total Daily Cash back on grocery store purchases for your first 6 months, up to $500 total Bonus Daily Cash, when you get a new Apple Card by April 13.3

Must use 'Apply now' button. This offer may not be available elsewhere. 

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A different kind
⁠of credit card.

See if you’re approved with
⁠⁠⁠⁠no impact to your credit score.4

Apply in as little as a minute and see your credit limit and interest rate offer — all without impacting your credit score. Your credit score may be impacted after you accept the card offer.

No fees.
⁠Not even hidden ones.

No annual fees, no late fees, no foreign transaction fees. No fees. Really.

Unlimited Daily Cash back.
⁠⁠⁠⁠⁠⁠⁠⁠Real cash you can use right away.

Get up to 3% cash back on every purchase you make. It’s real cash, it’s unlimited, and you get it every day.

Helps you pay less interest.

Choose any amount you wish to pay, and watch Apple Card estimate the interest cost for you.5 In real-time.

Your card. Your info.
⁠⁠Your business.

Your data isn’t sold to third parties for marketing or advertising.

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Daily Cash.

No points.
⁠⁠No gimmicks.

Get Daily Cash back from a percentage of your purchases. Not a month from now. Every day. There’s no limit to how much you can get.

3%

On everything you buy from Apple and at select merchants like Nike and Walgreens when you use Apple Card with Apple Pay.*

2%

Every time you pay with Apple Card using Apple Pay.

1%

On all purchases where Apple Pay isn’t accepted.

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No fees.
⁠⁠Not even

hidden ones.

We want to make it easier to pay down your balance, not harder.
⁠So Apple Card doesn’t have any fees.

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Titanium-Card

A card that’s
⁠⁠materially different.

When you buy things with the Apple-designed titanium card, you get unlimited Daily Cash back on everything you buy. For apps and websites that don’t yet take Apple Pay, there’s a virtual card number in the Wallet app. And Mastercard is our global payment network, so you can use

Apple Card all over the world.

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  1. Late or missed payments will result in additional interest accumulating toward your balance. Variable APRs for Apple Card range from 17.49% to 27.74% based on creditworthiness. Rates as of January 1, 2026. Existing customers can view their variable APR in the Wallet app or card.apple.com.
  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. Subject to credit approval. Valid only for new Apple Card holders who (1) apply under this promotion at https://apple.co/cardoffer021726b ("Promo link") or through Credit Karma's marketplace, (2) open a new Apple Card account 2/17/26 through 4/13/26 ("Offer Period"), and (3) make Qualifying Purchases on the new Apple Card for the first one hundred and eighty five (185) days of account opening ("Purchase Period"). New Apple Card applicants who do not (a) open their account during the Offer Period and/or (b) use either the Promo Link or the Credit Karma Marketplace, will be ineligible for this offer. Offer may not be available in other channels where Apple Card is offered. This offer is not available to applicants who have had this card in the past or who have another pending or approved application for the card. Limit one new account acquisition promotional offer per new Apple Card account. During the Purchase Period, you will receive a 5% Bonus Daily Cash earn rate on all Qualifying Purchases at grocery stores and it will be calculated as follows: the 1% standard earn rate for purchases made using your virtual number or titanium card, plus an additional 4% bonus earn; the 2% standard earn rate for purchases made using Apple Pay, plus and an additional 3% bonus earn. Five hundred dollars ($500) is the maximum total Bonus Daily Cash that can be earned in the aggregate from all Qualifying Purchases across all earn rates combined during the Purchase Period. After the maximum Bonus Daily Cash has been earned, the account will revert to earning its standard 1/2/3% Daily Cash earn rates applicable for all purchases as defined in the Apple Card Customer Agreement. The Bonus Earn Rate will always be exclusively applied to the standard Daily Cash earn rates. This means during the Offer or Purchase Period, you may be eligible to participate in other Apple Card promotional offers, however, you will not receive twice the earn rate on any non-standard or promotional earn rates available to you through that additional promotional offer. Rather, the Bonus Daily Cash earn rate will only apply as outlined for this offer. Qualifying Purchases at grocery stores include those made at supermarkets, Instacart, Whole Foods purchases via Amazon, and warehouse clubs. Purchases that are not eligible for this offer are purchases made at Costco (in-store), Target (online), Walmart (online), convenience stores, specialty food markets, grocery delivery services (except Instacart which is eligible), meal-kit delivery services, gift cards purchased through grocery stores or websites where gift cards are fulfilled through a third party, and purchase of any grocery items from non-grocery store merchants like Walgreens or other merchants selling grocery items. Merchants are assigned a merchant category code (MCC) by the credit card network based on its primary line of business. Qualifying Purchases are determined based on the MCC reported by the merchant. If a merchant does not submit transactions using the anticipated MCC associated with a grocery store, your purchase may not qualify for the Bonus Daily Cash earn rate. Apple and Goldman Sachs Bank USA do not determine, and are not responsible for the MCC assigned to or reported by the merchant. Bonus Daily Cash earn rate can only be received on purchases made by the New Apple Card account holder who opens a new Apple Card account during Offer Period. New Apple Card account holder does not include Co-Owners or Participants added to an Apple Card Family during the Offer or Purchase Periods. This means purchases made by Apple Card Family members will not earn the Bonus Daily Cash earn rate and rather will only earn their standard 1/2/3% earn rates as described in the Apple Card Customer Agreement. Returns and refunds of purchases made during the Purchase Period may result in a Daily Cash adjustment charge to your account. An additional purchase made during the Purchase Period may qualify you for re-fulfillment of the Daily Cash bonus, but re-fulfillment may be delayed. 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 details. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer. 

    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.
  4. Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.
  5. Interest charges shown on the example payment wheel are only provided for illustrative purposes and may not be an accurate reflection of the actual amount of interest charges on your account. Interest estimates provided in the payment wheel in your account are based on your posted account balance at the time of the estimate and do not include pending transactions or any other purchases you may make before the end of the billing period.
  • *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.
  • Walgreens/Duane Reade: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay at Walgreens and Duane Reade online, in the Walgreens app, and in stores. Excludes purchases: 1) where Apple Pay is not available as a payment option (e.g. all gift card purchases online and in-app, all purchases made in a drive-thru, and all purchases online or in-app with more than one item in the cart); 2) from third-party merchants within Walgreens or Duane Reade stores, online, or in-app (e.g. kiosks for services like telecom, photo, dental, optical, healthcare, lab work, or hearing, or any third party using independent point-of-sale systems); 3) made directly on third-party delivery apps or websites.
  • 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.
  • Learn more about how Apple Card applications are evaluated at support.apple.com/kb/HT209218.
  • 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.
  • All communications from Apple and Goldman Sachs Bank USA about Apple Card (including transactional and marketing communications) and customer service support are available in English. Certain communications about Apple Card can be viewed in another language depending on your device language settings. If you reside in the U.S. Virgin Islands, American Samoa, Guam, Northern Mariana Islands, or U.S. Minor Outlying Islands, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.