Blog

Apple Card

The simplicity of Apple.
In a credit card.

Created by Apple.
Powered by iPhone.

Built for iPhone

Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away for contactless purchases with Apple Pay.* Your transactions, payments, and account details are all in one place, where only you can see them. You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

No fees.

Not

even

hidden

ones.

No Fees

We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees.2 No fees. Really. And our goal is to provide interest rates that are among the lowest in the industry. Because your credit card should work for you, not against you.

Pay Less Interest

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does that in real time, so you can make an informed decision about how much of your balance to pay down.3

Unlimited Daily Cash

When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash. It’s real cash, so unlike rewards, it never expires or loses its value. Your cash is deposited right onto your Apple Cash card in the Wallet app — not a month from now, but every day. And there’s no limit to how much you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend in Messages. Or send it straight to your bank account and watch it add up.

when you use your iPhone
or Apple Watch to pay
with Apple Card.

2% Daily Cash

The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at over 70 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash that’s ready to spend whenever, wherever, and however you want.

3% Daily Cash

Apple Card gives you unlimited 3% Daily Cash back on everything you buy from Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+. You also get unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay.**

  • Apple
  • Panera Bread
  • Duane Reade
  • T-Mobile
  • Exxon
  • Uber
  • Mobil
  • Uber Eats
  • Nike
  • Walgreens

Titanium Card

With laser etching and clean styling, Apple Card 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% Daily Cash 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 Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

Privacy and Security

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you a whole new level of security. And while Goldman Sachs uses your data to operate Apple Card, your transaction history and spending habits belong to you and you alone. Your data isn’t shared or sold to third parties for marketing or advertising.

Pay for your new Apple products over time, interest‑free.5

Apple Card Monthly Installments

With Apple Card Monthly Installments, you can buy a new Mac, iPhone, iPad, Apple Watch, and more and pay them off with interest-free monthly payments. If you have an eligible device to trade in, you’ll pay even less per month.6 You can keep an eye on your installments right alongside your everyday Apple Card purchases in the Wallet app. And you get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card 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 your iPhone.

Learn more about Apple Card Monthly Installments

Financial Health

To see how much you’re spending, there’s no need to log in to a separate website or app. Your 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 Apple Card uses Maps to pinpoint where you bought something.7 No mysterious merchant codes. No guessing.

Learn more about credit limits, interest rates, and our commitment to your financial health

Partnerships

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

For a step-by-step walkthrough,
watch the video below.

Apple Card is available on iPhone 6 or later, running the latest version of iOS.

Source