Bring on the benefits.

With Savings, you can choose to send your Daily Cash to a high-yield Savings account where it can earn 4.40% annual percentage yield (APY). 2 And because it’s all built into the Wallet app, it’s simple to get started. All it takes is a few steps to open an account and you're in.

Just remember
⁠3, 2, and 1%.

No matter where you shop with Apple Card, you always get unlimited Daily Cash back. That's real cash 3 you get back every day. Use it right away 4 with Apple Pay, send it to a friend with Apple Cash, 5 or watch it grow in a high-yield Savings account.
⁠⁠⁠
⁠⁠⁠Buy anything from Apple — including services like Apple Music or Apple TV, games and apps from the App Store, even in-app purchases — and enjoy 3% cash back.

Get 3% back on everything you buy from Apple and at select merchants when you use Apple Card with Apple Pay.

cash back when you use the titanium card or
⁠your virtual card number wherever
⁠⁠Mastercard is accepted.

Grow your Daily Cash in a Savings account. 1

Apple Card gives you up to 3% unlimited Daily Cash back on every purchase. That’s real cash you can use right away, to send to a friend or use wherever Apple Pay is accepted when you send Daily Cash to Apple Cash.
⁠⁠⁠
⁠⁠⁠And with Savings, you can choose to send your Daily Cash into a high-yield Savings account where it can earn 4.40% annual percentage yield (APY).
⁠⁠⁠
⁠⁠⁠Add money from your bank account to Savings at any time, directly in the Wallet app. If you need to move money out, withdrawals to Apple Cash are typically instant, and usually take 1-3 business days with other bank accounts. 7 No minimum deposits, fees, or balances required. 8 And, you’re covered by FDIC insurance. 9

Healthy finances.
⁠Family style.

Share the benefits of Apple Card with anyone in your Family Sharing group — whether it’s a partner, a child, or someone else you trust. 10 It’s a great way for everyone on the account to work toward healthy finances together.
⁠⁠⁠⁠⁠
⁠⁠⁠⁠⁠Add a Co-Owner 11 to build credit as equals 12 and manage the account together. You can also add kids and young adults as Participants. 13 And if a Participant is over 18, they can have the option to start building their own credit history. 14 Plus, everyone gets to enjoy their own unlimited Daily Cash back when they use Apple Card for their purchases. 15

Pay for new Apple products
⁠over time, interest-free. 16 ⁠

Apple Card Monthly Installments lets you buy new Apple products, like iPhone, Mac, iPad, and more, and pay them off with interest-free monthly payments. You get 3% Daily Cash back, all up front. Simply choose Apple Card Monthly Installments as your payment option when you make your purchase at an Apple Store, in the Apple Store app, or on apple.com.

Accepted globally,
⁠⁠⁠with no foreign transaction fees. 17

Because Apple Card is part of the Mastercard network, it's accepted anywhere in the world. Plus, you have access to Mastercard benefits, like identity theft protection. And because Apple Card is designed to have no fees at all, you won't get charged any foreign transaction fees. .

Apple Footer

1. 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. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or U.S. 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.
2. Annual Percentage Yield as of July 3, 2024. APY may change at any time before or after account is opened. Maximum balance limits apply. See the
3. Deposits Account Agreement for more information regarding balance limits.
4. 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
5. Apple Card Customer Agreement for more information.
6. Subject to credit approval.
7. Apple Cash services are provided by Green Dot Bank, Member FDIC. Learn more about the
8. Terms and Conditions . Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can send up to $2000 per transaction and receive up to $2000 within a seven-day period. To access and use all Apple Cash features, you must have an eligible device with Wallet that supports and has the latest version of iOS.
9. Merchant offers may change at any time.

Nike: 3% Daily Cash is not available at Nike-branded stores outside the United States.

Panera Bread: 3% Daily Cash is not available at Panera locations outside the U.S. and excludes orders made on third-party apps, plastic gift card purchases made online, and gift cards purchased through the Bulk Gift Card program.

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 third-party delivery apps.

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.