Apple Card
Apply nowApple Card and issuer Goldman Sachs ranked No. 1 in customer satisfaction among the Midsize Credit Card Issuers segment by J.D. Power.*Learn more
The simplicity of Apple.
In a credit card.
With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees1 and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score.2 Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security.
And with every purchase you get Daily Cash back. Apple Card. It’s everything a credit card should be.
Created by Apple.
Powered by iPhone.
Open to read more about Built for iPhone
No fees.Notevenhiddenones.Open to read more about No Fees
The first credit card that actually encourages you to pay less interest.
Open to read more about Pay Less Interest
Unlimited
Daily Cash back.
Real cash you can use right away.7Open to read more about Unlimited Daily Cash
Get 3% Daily Cash back when you shop at Apple.
Open to read more about 3% Daily Cash at Apple
Get 2%
Daily Cash
back
when you use your iPhone
or Apple Watch to pay
with Apple Card.Open to read more about 2% Daily Cash
Shop with select merchants and get even more Daily Cash.
Open to read more about 3% Daily Cash
New
Apple Card Family
Healthy finances.
Family style.
Open to read more about Apple Card Family
Goodbye, plastic.
Hello, titanium.
Open to read more about Titanium Card
Privacy and Security
Your card.
Your data.
Your business.Open to read more about Privacy and Security
Pay for your
new Apple products
over time,
interest‑free
when you choose to
check out with Apple Card Monthly Installments.15Open to read more about Apple Card Monthly Installments
Tools to help
you make
financially
healthy
choices.
Open to read more about Financial Health
Trusted partners for a different kind of credit card.
Open to read more about Partnerships
Get started
with Apple Card.
Apply in minutes to see if you are approved with no impact to your credit score.**Apply now
Wallet
All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.
Apple Pay
The safer way to make
secure, contactless purchases
in stores and online.
Apple Cash
Use it to send and receive money in Messages and wherever Apple Pay is accepted.
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- * Apple Card Issuer, Goldman Sachs received the highest score among midsize credit card issuers in the J.D. Power 2021 U.S. Credit Card Satisfaction Study of customers’ satisfaction with credit card issuers. Visit jdpower.com/awards for more details.
- ** Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.
- ◊ 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 online gift card purchases and orders made on third‑party apps.
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.
T-Mobile: 3% Daily Cash is available for purchases using Apple Card with Apple Pay in T‑Mobile U.S. stores, and bill payments and AutoPay on t‑mobile.com and in the T‑mobile app. Authorized T‑Mobile dealers are not eligible for 3% Daily Cash and can be found on t‑mobile.com/store-locator. Sprint account payments, and purchases made through any Sprint checkout, including those at T‑Mobile U.S. stores, are not eligible for 3% Daily Cash.
Exxon Mobil: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay (where available) at Exxon- or Mobil-branded pumps and attached convenience stores. To pay at the pump with Apple Pay, use either Exxon Mobil Rewards+ mobile app or contactless payment. Excludes purchases at third-party merchants, including independent car washes, located within an Exxon- or Mobil-branded location or the attached convenience store.
- Variable APRs range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020.
- Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Subject to credit approval.
- Apple Card Family Co-Owners will have full visibility into each other’s account activity, and Owners will have visibility into all Participant account activity.
- Late or missed payments will result in additional interest accumulating toward your balance.
- Interest estimates 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.
- An Apple Cash card is required. The Apple Cash card is issued by Green Dot Bank, Member FDIC. See apple.com/apple-pay for more information. If you do not have an Apple Cash account, Daily Cash can be applied by you as a credit on your statement balance. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information.
- 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.
- Credit limits can only be combined when an existing Apple Card customer requests to share merge their account with another existing Apple Card customer. Merging existing accounts is subject to credit approval and general eligibility requirements.
- 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.
- Building credit “equally” means that the payment history and other information about your Apple Card will be reported to credit bureaus for each co-owner. Each co-owner is individually liable for all balances on the co-owned Apple Card and each will be reported to credit bureaus as an owner on the account. Credit reporting includes payment history and other information about your Apple Card, including negative items like missed payments. Card usage and payment history may impact each co-owners credit score differently because each individual’s credit history will include information that is unique to them. Either co-owner can close the account at any time but 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.
- 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.
- 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. For details on credit reporting, see https://support.apple.com/en-us/HT212020. For more details including some risks and benefits of being a Participant, see https://support.apple.com/en-us/HT212271.
- 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.
- Apple Card Monthly Installments (ACMI) is a 0% APR payment option available to select at checkout for certain Apple products purchased at Apple Store locations, apple.com, the Apple Store app, or by calling 1-800-MY-APPLE, and is subject to credit approval and credit limit. See https://support.apple.com/kb/HT211204 for more information about eligible products. Variable APRs for Apple Card other than ACMI range from 10.99% to 21.99% based on creditworthiness. Rates as of April 1, 2020. If you choose the pay-in-full or one-time-payment option for an ACMI eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. See the Apple Card Customer Agreement for more information. ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government, and Veterans and Military Purchase Programs, or on refurbished devices. iPhone activation required on iPhone purchases made at an Apple Store with one of these national carriers: AT&T, Sprint, Verizon, or T-Mobile.
- Trade-in values will vary based on the condition, year, and configuration of your eligible trade-in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
- Some transactions may not be displayed in Maps.
- To access and use all the features of Apple Card, you must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install.
- Software is subject to change.
- Learn more about how Apple Card applications are evaluated at support.apple.com/kb/HT209218.
- Available for qualifying applicants in the United States.
- Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.
- Apple Card
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