Apple Card
By Alex Compton · Last verified
The iPhone-native card. Daily Cash, no fees of any kind.
Welcome Bonus
$100
≈$100 value
Spend Requirement
$100
in 30 days
Annual Fee
$0
No FTF
Credit Score
Approval
depends on the issuer; no guaranteed minimum score
Current offer note: $100 Daily Cash after $100 in purchases within 30 days. New cardholders must apply through the linked promotion; Apple Card Family participant purchases do not count. Offer may change.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-22 | $100 | $100 in 30 days | Bonus increased: $0 → $100 · Spend: $0 → $100 · Window: 0 months → 30 days$100 Daily Cash after $100 in purchases within 30 days. New cardholders must apply through the linked promotion; Apple Card Family participant purchases do not count. Offer may change. | Apple Card $100 promotion and terms → |
| 2026-09-05 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus; card terms reconfirmed | Apple Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus | Archive record · no attached snapshot |
| 2019-08 | $0 | No recorded spend | Earliest recordNo public welcome bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Confirmed January 7 announcement and approximately 24-month expected transition; current promotion still names Goldman Sachs.
Apple issuer transition announcement → - confirmed
Confirmed no annual/late/foreign fees, 3/2/1 reward structure and eligible checkout-selected Monthly Installments; no numerical approval-score guarantee asserted.
Apple Card product page → - changed
Verified reward destination options; replaced guaranteed next-day payout with transaction-posting timing from official offer terms.
Fields: benefits
Apple Daily Cash support → - changed
Verified $100 Daily Cash after $100 within 30 days for eligible new holders applying through the specific promotion. Updated current offer, appended history, linked exact promotion and removed no-bonus-ever claims.
Fields: currentOffer, offerHistory, applyUrl, lastVerified, benefits, cons, ourTake
Apple $100 welcome promotion → - changed
No public welcome bonus; Daily Cash rates, current merchant partners and transition timeline reconciled from Apple sources
Fields: currentOffer, offerHistory, earningRates, benefits, cons, lastVerified
Apple Card product page →
Source checked 2026-10-22 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xApple and select Apple Pay merchantsCurrent list includes Ace, Booking.com, ChargePoint, Duane Reade, Exxon Mobil, Hertz, Nike, Uber, Uber Eats and Walgreens
- 2xAll Apple Pay purchases
- 1xOther eligible purchases, including physical or virtual card number
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Daily Cash is earned after purchases post; timing varies by merchant
- ✦No annual, late or foreign transaction fees; interest can still apply
- ✦Apple Card Monthly Installments offers 0% APR for eligible Apple purchases when selected at checkout
- ✦Eligible owners and co-owners can direct Daily Cash to a separate Savings account
- ✦Spending and payment tools in Apple Wallet
Why it earns its spot
- +2% on every Apple Pay tap is a strong effective flat rate
- +Zero fees of any kind
- +Savings account integration compounds the cash automatically
Where it costs you
- −Other purchases earn 1% when they do not qualify for the Apple Pay or Apple merchant rates
- −The welcome promotion requires its specific application link and new-cardholder eligibility
- −Chase is expected to replace Goldman Sachs around 2028; Apple says card use continues normally during the transition
The Compound Verdict
Apple Card fits shoppers who regularly use Apple Pay and value Wallet account management. Compare your spending at its 3% merchants with purchases that would earn only 1%. A linked Savings account can earn separate interest, but it does not change the card’s purchase reward rate. Check the linked welcome promotion before applying; it has channel and eligibility requirements.
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