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.
Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.
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. Earn a $250 Welcome Bonus when you get a new Apple Card through the button on Credit Karma by September 3rd, and spend $2,500+ in your first 90 days. Offer may not be available elsewhere. Subject to credit approval. Valid only for new Apple Card owners who (1) directly receive this offer, (2) open a new Apple Card account 7/1/25 through 9/3/25 (“Offer Period”) through Credit Karma’s marketplace, and (3) spend $2,500 or more on Qualifying Purchases using your new Apple Card within 90 days of account opening (“Purchase Period”). Offer may not be available in other channels where Apple Card is offered. This offer is not available to applicants who have had this card or who have another pending or approved application for the card. Qualifying Purchases can only be made by the new Apple Card account holder who opens a new Apple Card account during this Offer Period. New Apple Card account holder does not include Co-Owners or Participants added to an Apple Card Family during the Purchase Period. This means purchases made by Apple Card Family members will not be included towards the new Apple Card account holder’s Qualifying Purchases. Limit one offer per new Apple Card account. Returns and refunds of purchases may result in a Daily Cash adjustment charge to your account. If a return is made during the Purchase Period in which there is a Daily Cash adjustment charge to your account, additional purchases made during the Purchase Period may qualify you for re-fulfillment of the Daily Cash bonus, but re-fulfillment may be delayed. Once $2,500 in Qualifying Purchases have posted to your new Apple Card account, you can choose to direct the earned $250 Daily Cash to a Savings account or to an Apple Cash account. If you do not have either set up to receive your Daily Cash, it can be applied as a statement credit upon request. Apple Card is issued and Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch, 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 Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.
2. No Fees and Late Fees
Variable APRs for Apple Card range from 18.24% to 28.49% based on creditworthiness. Rates as of July 1, 2025. 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.
3. No Impact to Apply
Accepting an Apple Card after application is approved will result in a hard inquiry, which may impact your credit score.
4. 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.
5. 3% Merchants
Merchant offers may change at any time.
Uber/Uber Eats: 3% Daily Cash is available on purchases using Apple Card with Apple Pay in the Uber and Uber Eats apps, uber.com and ubereats.com. Daily Cash is earned on the total purchase amount charged to your Apple Card. 3% Daily Cash is not earned on 1) purchases of alcohol in the following states: Oregon, Louisiana, Georgia, Washington, Missouri, 2) Uber Gift Card purchases made on any web browser, 3) Purchases where Uber is not the merchant processing or fulfilling the transaction, for example, bike and/ or car rentals paid for directly with third parties or at rental pickup, or purchases made through third-party apps, affiliate brands or services, and 4) purchases where Apple Pay is not available as a payment option, which may apply to Split Fares and Group Orders, as well as orders made using Uber Freight, Uber Family, Uber Teen, Uber Vouchers, and Uber Transit. Users should always confirm that Apple Card with Apple Pay is the selected payment method before completing a purchase in order to earn 3% Daily Cash. Apple Pay is not available in all markets.
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.
6. 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.