Apple Card (2024)

Built for iPhone

AppleCard 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 ApplePay.⁵ Your transactions, payments, and account details are allinone 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’sdone.

No Fees

We want to make it easier to paydown your balance, not harder. So AppleCard doesn’t have any fees. Noannual, over-the-limit, foreign-transaction, or late fees.⁷ Nofees. Really. Because your credit card should work for you, not againstyou.

The first creditcard thatactually encourages you to pay lessinterest.

Pay Less Interest

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, itcosts you a lot in interest over time. AppleCard isdifferent. When you’re ready to make a payment, AppleCard 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 paydown.

Unlimited Daily Cash

When you buy something using AppleCard, 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 AppleCard 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 AppleCard. Pay back a friend. Or save it up and watch it grow over time.

3% DailyCash

AppleCard gives you unlimited 3% DailyCash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the AppStore, or even a service like AppleMusic or AppleTV+. You also get 3% DailyCash back on purchases you make at select merchants when you use AppleCard with ApplePay.^◊◊

2% Daily Cash

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

Just look for or when you checkout.

Save and EarnInterest

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 AppleCash and other bank accounts to build your savings morequickly.¹⁰

Learn more about Savings

AppleCardFamily

AppleCardFamily brings all the great features and benefits of AppleCard 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 lines¹² to form a single co-owned account,¹³ manage that account together, and build credit as equals.¹⁴ Participants¹⁵ 18 and older can choose to start building their own credit history,¹⁶ and teens can learn better spending habits. And, family members receive DailyCash back on their own purchases.¹⁷

Learn more about AppleCardFamily

Titanium Card

With laser etching and clean styling, AppleCard 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%DailyCash 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 ApplePay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills foryou.

Your card.

Your info.

Yourbusiness.

Privacy andSecurity

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And AppleCard is no different. With advanced security technologies like FaceID, TouchID, and unique transaction codes, AppleCard with ApplePay is designed to make sure you’re the only onewho 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 oradvertising.

AppleCard Monthly Installments

You can buy a new Mac, iPhone, iPad, AppleWatch, and more with interest-free monthly payments on purchases at Apple. Just choose AppleCard MonthlyInstallments and then check out. Your installment automatically appears on your AppleCard statement alongside your everyday AppleCard 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 AppleCard 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 youriPhone.

Learn more about AppleCard MonthlyInstallments

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 AppleCard 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.

Learn about credit limits, interest rates, Savings, and more about financialhealth

Partnerships

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