Apple Inc. set out to redesign the credit card from the ground up—and Apple Card is the result. Built directly into the iPhone, Apple Card blends simplicity, transparency, and powerful privacy protections with real, everyday rewards. It’s not just a card—it’s a smarter way to manage money.
Designed for iPhone, Built for Simplicity
Apple Card lives inside the Wallet app, where spending, payments, and balances are displayed in a clean, easy-to-understand format. You can apply in minutes and check approval with no impact on your credit score. Once approved, everything—from transactions to payments—is managed digitally.
There are no fees. No annual fees, late fees, foreign transaction fees, or hidden charges. What you see is exactly what you pay.
Encourages Paying Less Interest
Unlike traditional credit cards, Apple Card actively helps you reduce interest. The Wallet app shows how different payment amounts affect interest, empowering you to make smarter decisions every month. Variable APRs currently range from 17.49% to 27.74%, depending on creditworthiness.
Unlimited Daily Cash Back
Apple Card rewards you with Daily Cash—real cash back, delivered every day:
- 2% Daily Cash on purchases made with Apple Pay
- 3% Daily Cash at Apple and select partners like Uber, Walgreens, Nike, ExxonMobil, and more
- 1% Daily Cash on purchases made with the physical card
Daily Cash can be spent instantly, sent to friends, or automatically deposited into a high-yield Savings account linked to Apple Card.
Save Automatically and Earn Interest
With Apple Card Savings, your Daily Cash can be automatically saved and earn interest over time. Savings accounts are provided by Goldman Sachs Bank USA, are FDIC-insured, and fully integrated into Wallet for easy tracking.
Apple Card Family: Credit, Together
Apple Card Family allows you to share an account with trusted people. Co-Owners build credit equally, while Participants can spend responsibly under limits you control—making it a powerful tool for teaching financial habits.
Titanium Card Meets Digital Security
For those moments when Apple Pay isn’t available, Apple Card offers a laser-etched titanium card—with no card number, CVV, or signature printed on it. Advanced security features like Face ID, Touch ID, and Apple Pay help protect every transaction, while Apple keeps your spending data private.
Buy Apple Products Interest-Free
Apple Card holders can pay for new Apple products over time using Apple Card Monthly Installments, offering 0% APR on eligible purchases when checking out at Apple—no interest, no fees.
Privacy Comes Standard
Apple Card is built with privacy at its core. Apple doesn’t know what you buy, where you buy it, or how much you spend. Your data stays yours.
How to Get Started
Applying for Apple Card takes just minutes on an iPhone or iPad. You can see if you’re approved instantly, start using Apple Pay right away, and receive your titanium card shortly after.
Apple Card is everything a credit card should be—simple, transparent, secure, and designed to help you build healthier financial habits.
Apple Card is available only in the United States and is subject to credit approval. Terms and conditions apply.