Whether you buy things with ApplePay or with the laser‑etched titanium card, AppleCard can do lots of things no other credit card cando.
Apply in as little as a minute to see if you are approved with no impact to yourcredit.*
New
Choose to automatically save your Daily Cash in a Savings account and watch it grow over time.1
See each purchase go through right away. No waiting. Nowondering.
No hidden fees.2
No annual fees.
No late fees.3
No foreign-transaction fees.
No over-the-limit fees.
No returned-payment fees.
No setup fees.
No maintenance fees.
No reward-redemption fees.
No fees. Period.
Get unlimited DailyCash back with every purchase.
Tap to see your summary — by week, by month, or byyear.
Easily pin down your spending withMaps.4
Find any transaction with a quick and easysearch.
See your spending bycolor and category.
View item-by-item receipts from your Appleservices.
Get 2% DailyCash back every time you pay with your iPhone or AppleWatch.
Simple, secure, magical cardactivation.
It’s hard to steal a credit card number when it’slockedaway.
Your purchase history.
For your eyes.5Notours.
Stop fraudulent activity in itstracks.
Take the guesswork out of interest payments.6
Pay off your balance faster with smart payment suggestions.
End-of-the-month payment due dates. Not wait-did-I-miss-it duedates.
Payment reminders. (Just in case you needthem.)
See full details of your AppleCard MonthlyInstallments right in the Walletapp.7
You decide
who’s in your
AppleCard Family.8
They can use AppleCard rightaway.9
Co‑Owners.10
Buildcredit asequals.11
AppleCard Family Participants12 18 and over can build their owncredit.13 Score!
AppleCard Family. DailyCash back forall.14
Ask us anything, 24/7. Just call ortext.
Get started
withAppleCard.
Apply in minutes to see if you are approved with no impact to your creditscore.*
Apply nowApply now
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- * Accepting an AppleCard after your application is approved will result in a hard inquiry, which may impact your creditscore.
- To access Savings, AppleCard Owners and Co‑Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. AppleCard Owners and Co‑Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, AppleCard Owners and Co‑Owners are affirmatively electing to have all future DailyCash automatically deposited into their respective Savings account. DailyCash may not be divided between AppleCash Card and Savings accounts. Owners and Co‑Owners may individually change where their DailyCash is deposited at any time. DailyCash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. DailyCash is subject to exclusions, and additional details apply. See the AppleCard 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 AppleCard to Wallet on an iPhone or iPad that supports and has the latest version of iOS oriPadOS.
- Variable APRs for AppleCard 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.
- Late or missed payments will result in additional interest accumulating toward yourbalance.
- Some transactions may not be displayed inMaps.
- AppleCardFamily Co‑Owners will have full visibility into each other’s account activity, and Owners will have visibility into all Participant accountactivity.
- 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 billingperiod.
- AppleCard 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 AppleStore locations, apple.com, the AppleStore 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 AppleCard. Cardholders who accept an AppleCard on and/or after August 1, 2024: Variable APRs for AppleCard, 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 AppleCard (instead of using ACMI), that purchase is subject to the AppleCard 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 AppleCard Customer Agreement for more information about ACMIfinancing.
- AppleCardFamily Participants and Co‑Owners do not need to have a familial relationship, but must be part of the same AppleFamilySharinggroup.
- Subject to approval.
- Each Co‑Owner is individually liable for all balances on the co-owned AppleCard 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 AppleCard, including negative items like missed payments. Addition of new Co‑Owner or merging existing accounts is subject to credit approval and general eligibility requirements. ForAppleCard 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.
- Building credit “equally” means that the payment history and other information about your AppleCard will be reported to credit bureaus for each Co‑Owner.Each Co‑Owner is individually liable for all balances on the co-owned AppleCard and each will be reported to credit bureaus as an Owner on the account. Credit reporting includes payment history and other information about your AppleCard, 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.
- 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.
- 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.
- An AppleCash card is required. Participants under 18 on AppleCardFamily accounts must have the family organizer of their AppleCash Family set up their own AppleCash card. If you do not have an AppleCash account, DailyCash can be applied as a credit on account owner’s statement balance by contacting Goldman Sachs Bank USA. The AppleCash card is issued by Green Dot Bank, MemberFDIC.
To access and use all AppleCard features and products available only to AppleCard users, you must add AppleCard to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. AppleCard is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake CityBranch.
If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about AppleCard.
- Software is subject to change.
- Learn more about how AppleCard applications are evaluated at support.apple.com/kb/HT209218.
More ways to shop: Find an Apple Store or other retailer near you. Or call 1-800-MY-APPLE.
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