Apple Card is Apple’s credit card issued in partnership with Goldman Sachs Bank USA and managed directly from the Wallet app on your iPhone or iPad.
It offers up to 3% Daily Cash on purchases, no annual fee, and simple tracking of your spending in real time.
This guide explains how to use Apple Card’s Daily Cash, what interest rates to expect, and how to contact the issuing bank if you need support.
What is Daily Cash From Apple Card
Apple Card is a U.S.-only credit card issued by Goldman Sachs Bank USA, Salt Lake City Branch, and designed as a digital-first card.
You manage it inside the Wallet app and can also request a physical titanium card for use where Apple Pay is not accepted.
The main attraction is Daily Cash, a form of cashback that is credited to you every day instead of monthly.
You can earn on eligible purchases, and the rewards can be used with Apple Cash, moved to a linked bank account or an eligible Apple savings account.
Step-by-Step: How to Order Apple Card Today
You generally need to be a U.S. resident and use an Apple ID with two-factor authentication enabled and be signed in to iCloud.
Apple Card is subject to credit approval, so Goldman Sachs will evaluate your creditworthiness before making an offer.
- Open the Wallet app on your iPhone or iPad with the latest version of iOS or iPadOS
- Tap the “+” (Add) button and select Apple Card.
- Enter the requested personal information, such as legal name, date of birth, address, income, and the last four digits of your Social Security number.
- Submit your application and wait for a decision. In many cases, this decision is almost instant.
- If approved, you will see an offer with your credit limit and APR and can decide whether to accept.
Apple states that you can see whether you are approved with no impact on your credit score before you accept the offer.
Once you accept and open the account, a hard inquiry is recorded, and your Apple Card is added to Wallet. You can start using it immediately with Apple Pay.
After your account is active, you can request the physical titanium card from within the Wallet app.
This card can be used like a traditional credit card, where Apple Pay is not accepted, although it generally earns a lower Apple Card’s Daily Cash rate.
Interest Rates and Fees
Apple Card has a variable APR that depends on your credit profile.
As of recent public information, variable APRs for new Apple Card accounts typically range from about 17.99% to 28.24%.
The exact rate you receive will be shown in your offer before you choose to accept.
In terms of fees, Apple Card is designed with a “no fees” structure.
Apple Card Monthly Installments (ACMI)
For eligible Apple hardware purchases, Apple offers Apple Card Monthly Installments (ACMI).
This allows you to pay for qualifying Apple products over a period of time with 0% APR when ACMI is selected at checkout.
Some key points
Taxes and shipping on these purchases may be charged at your regular Apple Card variable APR, not at 0%.
If you do not select ACMI at checkout and simply pay with Apple Card, the purchase is treated as a normal transaction and is subject to your standard APR.
If you are planning a larger Apple purchase, compare the total cost with ACMI against paying off the purchase as a regular revolving balance.
How Does Apple Card’s Daily Cash Work
3% Daily Cash on purchases made directly with Apple (Apple Store, apple.com, Apple Store app) and on purchases at select partner merchants.
2% Daily Cash on all purchases made with Apple Pay using Apple Card, wherever Apple Pay is accepted.
1% Daily Cash on transactions made with the physical Apple Card or when you pay using the card number instead of Apple Pay.
Daily Cash is usually credited after the transaction posts. You can view your Daily Cash balance, total earned, and any available offers in the Wallet app.
Support Contact
Apple Card customer support is available at 877-255-5923.
By mail: Goldman Sachs Bank USA Lockbox 6112 P.O. Box 7247 Philadelphia, PA 19170-6112
For general questions about Apple products or the Apple Online Store, you can also contact Apple at 1-800-MY-APPLE (1-800-692-7753).
Is Apple Card Right for You?
Apple Card can be a good fit if you use Apple Pay regularly in stores, apps, and online.
Also, if you prefer managing your credit card entirely from your iPhone or iPad, with clear spending summaries and interest tools.
However, the APR can be high if you often carry a balance. If you cannot regularly pay your statement in full, you may want lower-interest options.
Before applying, compare the interest rates, rewards structure, and your typical Apple Pay usage with other cards you might qualify for.
| Card | Typical Rewards Structure | Approx. Purchase APR (Variable, as of 2025) | Best For |
|---|---|---|---|
| Apple Card | Up to 3% Daily Cash with Apple and select partners using Apple Pay; 2% on all other Apple Pay purchases; 1% with the physical card | 17.99% – 28.24% | Heavy Apple Pay users and frequent Apple/partner shoppers |
| Chase Freedom Unlimited® | 5% Chase Travel, 3% dining and drugstores, 1.5% on other purchases | About 18.74% – 28.24% | Mixed everyday spending with strong travel and dining rewards |
| Citi® Double Cash Card | Flat 2% cash back on everything (1% when you buy, 1% when you pay) | About 17.99% – 27.99% | Simple flat-rate rewards on all purchases |
| Capital One SavorOne (good credit version) | 3% on dining, entertainment, popular streaming and grocery stores; 1% on other purchases | About 18.99% – 28.99% | Dining, entertainment, and grocery-focused spending |
Conclusion – How to Order and Start Using Daily Cash
Apple Card’s Daily Cash offers a simple way to earn on daily purchases and Apple products, with no annual or foreign transaction fees.
If you live in the U.S., meet the eligibility requirements, and already rely on Apple Pay, applying through the Wallet app can be quick.
Review the interest rates, installment options, and rewards structure carefully, then apply from Wallet so you can decide whether the offer fits.
Disclaimer: This article is for information and educational purposes only and does not constitute financial, legal, or tax advice. Apple Card terms, APR ranges, eligibility rules, and contact details may change at any time; always verify the latest information directly in the Wallet app, the official Apple Card terms, or with Goldman Sachs Bank USA before applying or making financial decisions
