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Apple Card

Unlock more Daily Cash.

Now through April 30, 2025, you can earn up to 5% total back on all purchases — no enrollment required.1

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  1. Spend $5,000+ and earn a total of 3% Daily Cash back on all purchases, just like you get at Apple.*

  2. Spend $10,000+ and earn a total of 4% Daily Cash back on all purchases.

  3. Spend $15,000+ and earn a total of 5% Daily Cash back on all purchases until reaching $50,000 in total transactions.

*Purchases with Apple and at select merchants using Apple Pay already earn 3% Daily Cash and will not receive an additional Daily Cash increase for this spend tier.

Earn it. Track it.

Check Rewards & Offers at any time to see special offers and your lifetime Daily Cash received.

You can also see how close you are to unlocking the next boost and how much time you have left.

Earn it. Track it.

Check Rewards & Offers at any time to see special offers and your lifetime Daily Cash received.

You can also see how close you are to unlocking the next boost and how much time you have left.

Rewards & Offers

Bonus Daily Cash
for the family.

Everyone in your Apple Card Family2 is automatically enrolled, so everyone’s purchases count towards unlocking more Daily Cash. And the best part is every Co-Owner3 and Participant4 receives the bonus Daily Cash.5

Get started with Apple Card Family

Get Daily Cash.
Watch it grow.

You can spend your Daily Cash like real cash,6 or grow your Daily Cash at 4.10% annual percentage yield (APY)7 when you open a high-yield Savings8 account through Apple Card.

Manage your Daily Cash

Need-to-knows.

Mod 4 Icon_AutoEnroll

Automatically
enrolled

Mod 4 Icon_5percent

Up to 5% total
Daily Cash back

Mod 4 Icon_Family

Everyone in Apple Card Family2
can participate

Mod 4 Icon_Track

Track progress in
Rewards & Offers

Mod 4 Icon_Calendar

Now through
April 30, 2025

Start earning more Daily Cash.

Learn more
  1. Valid November 6, 2024 to April 30, 2025 (“Offer Period”). Offer is limited to the select Apple Card Account Owners who directly received this offer, and any participants on their Apple Card account. Eligible Apple Card holders whose Apple Card Account total purchases posted to your account meet each Spend Tier threshold of $5,000/$10,000/$15,000 (“Spend Tier Threshold(s)”) during the Offer Period will unlock and earn a Daily Cash earn rate totaling 3%, 4%, or 5%, respectively, (“Daily Cash Unlock earn rate”) on all subsequent Apple Card purchases made through the end of the Offer Period or until the total spend cap of $50,000 has been reached. All spend by eligible Apple Card holders within the same Apple Card Family will be counted toward the Spend Tier Threshold and total spend cap. Eligible Apple Card holders include current Owners, Co-Owners, Participants, or Apple Card holders who merge Apple Card accounts during Offer Period. Once a given Spend Tier Threshold is met, the Daily Cash Unlock earn rate is unlocked for all purchases made thereafter by all Eligible Apple Card holders in the Apple Card Account until the total combined Apple Card Account spend reaches the next Spend Tier Threshold, the total spend cap is reached, or the Offer Period ends. For a Purchase Transaction to unlock a Spend Tier, we use the date of posting, which is determined by the merchant and credit card network. The Daily Cash Unlock earn rate will apply to all Apple Card purchases made using any and all Apple Card payment methods, including Apple Pay, titanium card, or Apple Card virtual online number. The Daily Cash Unlock earn rate applied to your Purchase Transaction will not be in addition to the standard Daily Cash Percentage you earn on Purchase Transactions as described in the Apple Card Customer Agreement. This means that during the Offer Period, you will earn the Daily Cash Unlock earn rate on all purchases instead of (1) the standard 3% Daily Cash back you earn on purchases with Apple and with select merchants when you use Apple Card with Apple Pay, (2) the standard 2% Daily Cash back you earn on purchases using Apple Card with Apple Pay, and (3) the standard 1% Daily Cash back you earn when you use the titanium card or your virtual online number.

    How it works:
    3% Daily Cash Unlock: When the Apple Card Account total spend meets the $5,000 Tier Spend Threshold, all subsequent Apple Card purchases made during the Offer Period will earn 3% total Daily Cash on all Apple Card purchases. Note: Purchases with Apple and at select merchants using Apple Card with Apple Pay already earn 3% Daily Cash and will not receive an additional Daily Cash increase for this spend tier.
    4% Daily Cash Unlock: When the Apple Card Account total spend meets the $10,000 Tier Spend Threshold, all subsequent Apple Card purchases made during the Offer Period will earn 4% total Daily Cash on all Apple Card purchases.
    5% Daily Cash Unlock: When the Apple Card Account total spend meets the $15,000 Tier Spend Threshold, all subsequent Apple Card purchases made during the Offer Period will earn a 5% total Daily Cash on all Apple Card purchases.

    This offer is not transferrable. Returns and refunds of purchases made during the Offer Period may result in a Daily Cash adjustment charge to your account. This offer can be combined with other Apple Card promotional offers during the Offer Period. If you participate in other Apple Card promotions during the Offer Period, your Daily Cash Unlock earn rate at the time of the promotion will serve as the “base standard earn rate” for that promotion and you will earn the additional “Bonus Daily Cash earn rate” offered as part of that promotion. 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 by contacting Goldman Sachs. 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. 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. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information.
  7. Annual Percentage Yield as of October 11, 2024. APY may change at any time before or after account is opened. Maximum balance limits apply. See the  Deposit Account Agreement for more information regarding balance limits.
  8. 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.

    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 U.S. 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.