Apple Card
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More out of your cash.
So much more.

Automatically grow your Daily Cash over time at 4.40% APY1 when you open a high-yield Savings account2 through Apple Card,
a credit card unlike any other.

Apply for Apple Card in as little as a minute to see if you're approved without impacting your credit score.3

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More Savings.
⁠Less effort. 

Apple Card makes saving and earning incredibly easy. Start by choosing to automatically deposit Daily Cash into a Savings account. Then, watch your account grow at a 4.40% annual percentage yield (APY). Boost your growth by adding funds from any linked bank account.4 It's Savings you can manage right in your Wallet app. 


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Savings 2

A different kind

of credit card.

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

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.5
⁠Not even hidden ones.

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

Unlimited Daily Cash back.
⁠⁠⁠⁠⁠Real cash6 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.7 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 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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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. Annual Percentage Yield as of July 3, 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.
  2. 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 Card and Savings accounts. Owners and Co-Owners may individually change where their Daily cash is deposited at any time. 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.
  3. Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.
  4. Transfers may be subject to limitations; please see the Deposit Account Agreement for more information.
  5. Late or missed payments will result in additional interest accumulating toward your balance. Variable APRs for Apple Card range from 19.24% to 29.49% based on creditworthiness. Rates as of August 1, 2024. Existing customers can view their variable APR in the Wallet app or card.apple.com.
  6. You can choose to direct Daily Cash to a Savings account or to an Apple Cash card. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit. Apple Card and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The Apple Cash card is issued by Green Dot Bank, 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.
  7. 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.
  • 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.
  • If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.