The Credit Card for App Lovers

Get 3 percent Daily Cash on your App Store purchases with Apple Card.

Apple Wallet

Apple Pay, Apple Card and more


Apple Card completely rethinks everything about the credit card. It lives in the Wallet app on your iPhone, with tools that make it clear how much you’re spending and where you’re spending it. Most important, Apple Card raises the bar for privacy and security.

It also offers a great perk for App Store customers: 3 percent back in Daily Cash in your Apple Cash account on all your App Store purchases. That includes everything from your Hulu and New York Times subscriptions to your Fortnite Battle Pass and extra Candy Crush lives. Thinking of signing up for a fitness app like Zova? You’ll get 3 percent back on that too.

Understand your spending

Every transaction is categorized and color-coded, so you can see at a glance where your money goes each day.

You’ve never seen your spending history presented as clearly—or as beautifully—as this. Just tap your Apple Card in the Wallet app to view, at a glance, a graph of your daily charges, current balance and available credit, and latest transactions with the merchant’s name shown in plain English (rather than a jumble of letters you have to decipher). 

Tapping the Weekly Activity chart brings up additional details, all designed to help you spot trends and understand where your money is going. Sort your week’s purchases by merchant or category, with each category getting its own colored icon, so you can quickly see when you’ve splurged on, say, entertainment (purple) or restaurants (orange).

Pay less interest

Pay later. Pay now. It’s clear what your interest charges will be.

Most credit card statements emphasize the minimum due each month, but paying just this amount can cost you a lot in interest. 

With Apple Card, which lives in the Wallet app, figuring out how much to pay—and how much interest you’ll owe—is as simple as tapping the Pay button and sliding your finger around a colorful ring. As you adjust your payment amount, you’ll see an estimate of the interest you’ll owe. (1) Use these estimates to make an informed decision (rather than an educated guess) about how much of your balance you want to pay down.

By the way, Apple Card has no fees, period. No annual fees. No international-transaction fees. No over-limit fees. No returned-payment fees. No hidden fees whatsoever. (2)

Fraud protection, in real time

See a charge you don’t recognize? Tap to pinpoint the retailer on a map. (3)

Every time you buy something with your Apple Card, you can get a notification on your iPhone, so you’ll be the first to know if anything is amiss. You'll also be notified of any unusual activity.

All the advanced security technologies of Apple Pay—like Face ID, Touch ID, and unique transaction codes—are built right in.

Don’t recognize a charge? Just tap it to let us know, and we’ll take it from there. Still have a question? There’s no need to call and wait on hold. Get an answer 24/7 by contacting a representative in the Messages app.

    Apple Wallet

    Apple Pay, Apple Card and more


(1) 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.

(2) Variable APRs range from 12.99 percent to 23.99 percent, based on creditworthiness. Rates as of August 2, 2019.

(3) Some transactions may not be shown in maps.

(4) Apple Pay is coming soon to Uber services like Uber Cash, Scheduled Rides, and JUMP. Merchant offers may change at any time.

Issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Available for qualifying applicants in the United States.