Terms & Conditions
For full terms and conditions, click
General
Subject to credit approval.
Learn more about how Apple Card applications are evaluated at
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 US territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.
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.
1. No Fees and Late Fees
Variable APRs for Apple Card range from 18.74% to 28.99% based on creditworthiness. Rates as of October 1, 2024. Existing customers can view their variable APR in the Wallet app or
Late or missed payments will result in additional interest accumulating toward your balance.
2. No Impact to Apply
Accepting an Apple Card after application is approved will result in a hard inquiry, which may impact your credit score.
3. Real Cash
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
4. High-yield Savings Account
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
5. Apple Card Family
Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be a part of the same Apple Family Sharing group.
6. 3% Merchants
Merchant offers may change at any time.
Nike: 3% Daily Cash is not available at Nike branded stores outside the United States.
Walgreens: 3% Daily Cash is not available at Sprint Express and independent health service providers, including Walgreens Optical and Walgreens Hearing, or for orders made on 3rd party delivery apps.
7. Interest Estimates
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.