Apple Card

With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees 1 and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. 2 Advanced technologies like Face ID, Touch ID, and Apple Pay give you an enhanced level of privacy and security. And with every purchase you get Daily Cash back that you can spend 3 or save. 4 Apple Card. It’s everything a credit card should be.

Created by Apple.
Powered by iPhone.

Open to read more about Built for iPhone

Built for iPhone

Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. 5 Your transactions, payments, and account details are all in one place, where only you can see them. 6 You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

Open to read more about No Fees

No Fees

We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. 7 No fees. Really. Because your credit card should work for you, not against you.

The first credit card that actually encourages you to pay less interest.

Open to read more about Pay Less Interest

Pay Less Interest

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. 8 And it does that in real time, so you can make an informed decision about how much of your balance to pay down.

Unlimited
Daily Cash back.

Real cash you can use right away.

Open to read more about Unlimited Daily Cash

Unlimited Daily Cash

When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash — not a month from now, but every day. It’s real cash, so unlike rewards, it never expires or loses its value. You can choose to have it automatically deposited onto your Apple Cash card in the Wallet app, and it’s ready to send or spend however you’d like. 9 Or you can open a Savings account with Apple Card and route your Daily Cash directly into the account, where it can earn interest. And there’s no limit to how much Daily Cash you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend. Or save it up and watch it grow over time.

Get 3% Daily Cash back at Apple. And at select merchants when you use Apple Pay.

Open to read more about 3% Daily Cash

3% Daily Cash

Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+. You also get 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay. ◊◊

Get 2% Daily Cash back when you use Apple Card with Apple Pay.

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2% Daily Cash

The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash you can spend, send, or save and grow over time.

Just look for or when you check out.

Grow your Daily Cash over time.

Automatically save it and earn interest. 4

Open to read more about Save and Earn Interest

Save and Earn Interest

With Savings, you can choose to grow your Daily Cash in a high-yield savings account. It takes just a few steps to set up your account and start saving. Your Daily Cash is deposited automatically. Your account information lives right in Wallet. And you can even add funds from Apple Cash and other bank accounts to build your savings more quickly. 10

Apple Card Family

Healthy finances.
Family style.

Open to read more about Apple Card Family

Apple Card Family

Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. 11 It allows two partners to merge credit lines 12 to form a single co-owned account, 13 manage that account together, and build credit as equals. 14 Participants 15 18 and older can choose to start building their own credit history, 16 and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases. 17

Goodbye, plastic.
Hello, titanium.

Open to read more about Titanium Card

Titanium Card

With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

Privacy and Security

Open to read more about Privacy and Security

Privacy and Security

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you an enhanced level of security. And your data isn’t sold to third parties for marketing or advertising.

Pay for your
new Apple products
over time,
interest‑free

when you choose to
check out with Apple Card Monthly Installments. 18

Open to read more about Apple Card Monthly Installments

Apple Card Monthly Installments

You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. 19 And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

Tools to help
you make
financially
healthy
choices.

Open to read more about Financial Health

Financial Health

To see how much you’re spending or saving, there’s no need to log in to a separate website or app. Your spending totals are automatically added up in the Wallet app, ready to view by week or by month. Color-coded categories make it easy to spot trends in your spending so you can decide if you want to change them. And Apple Card uses Maps to pinpoint where you bought something. 20 No mysterious merchant codes. No guessing. If you choose to route your Daily Cash to Savings, you have anytime access to your account details and the interest you’ve received. You can even transfer money in and out at any time.

Trusted partners for a different kind of credit card.

Open to read more about Partnerships

Partnerships

To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

Get started
with Apple Card.

Apply in minutes to see if you are approved with no impact to your credit score. *

More for
your finances.

Wallet

Carry one thing.
Everything.

Apple Pay

Pay the Apple way.

Apple Cash

Send it.
Spend it. Stash it.

Apple Footer

  1. 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.
  2. Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.
  3. 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.
  4. 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. 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.
  5. Subject to credit approval.
  6. Apple Card Family Co‑Owners will have full visibility into each other’s account activity, and Owners will have visibility into all Participant account activity.
  7. Late or missed payments will result in additional interest accumulating toward your balance.
  8. 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.
  9. Apple Cash services are provided by Green Dot Bank, Member FDIC. 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 send up to $2000 per transaction and receive up to $2000 within a seven-day period. To access and use all Apple Cash features, you must have an eligible device with Wallet that supports and has the latest version of iOS.
  10. Transfer limits may 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.
  11. 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.
  12. Credit limits can only be combined when an existing Apple Card customer requests to merge their account with another existing Apple Card customer. Merging existing accounts is subject to credit approval and general eligibility requirements.
  13. 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 are 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 new Co‑Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, see https://support.apple.com/en-us/HT209218. Either Co‑Owner can close the account at any time 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, see https://support.apple.com/en-us/HT212020.
  14. 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, see https://support.apple.com/en-us/HT212020.
  15. 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 over utilized 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, see https://support.apple.com/en-us/HT212271.
  16. 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 over utilized can have negative effects on your credit. For details on credit reporting, see https://support.apple.com/en-us/HT212020. For more details including some risks and benefits of being a Participant, see https://support.apple.com/en-us/HT212271.
  17. An Apple Cash card 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 card. 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. The Apple Cash card is issued by Green Dot Bank, Member FDIC.
  18. 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/kb/HT211204 for more information about eligible products. APR ranges may vary based on when you accepted an Apple Card. Cardholders who accept an Apple Card on and/or after August 1, 2024: Variable APRs for Apple Card, other than ACMI, range from 19.24% to 29.49% based on creditworthiness. Rates as of August 1, 2024. Existing cardholders: See your Customer Agreement for applicable rates and fee. If you buy an ACMI‑eligible product by choosing to pay in full with Apple Card (instead of using ACMI), that purchase is subject to the Apple Card variable APR, not 0% APR. Taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. When you buy an iPhone with ACMI, you’ll need to select AT&T, Boost Mobile, T‑Mobile, or Verizon as your carrier when you check out. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time. 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 financing is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See support.apple.com/kb/HT211204 for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement for more information about ACMI financing.
  19. Trade-in values will vary based on the condition, year, and configuration of your eligible trade-in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
  20. Some transactions may not be displayed in Maps.