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    Apple Card

    Apple Card is a no-fee credit card issued by Goldman Sachs Bank USA. Cash back ("Daily Cash") paid daily — 3% on Apple and select merchants (Nike, Walgreens/Duane Reade) via Apple Pay; 2% all Apple Pay; 1% physical card. APR 17.49%–27.74% variable. No annual fee, no foreign-transaction fee, no late fees, no over-limit fees.

    Welcome Offer

    Up to $250 Bonus Daily Cash with AirPods Pro 3 purchase (May 18 – June 15, 2026)

    $0/year

    Plain Mastercard parent — Apple Card deliberately does NOT carry World Elite Mastercard benefits.

    Card Benefits

    Other Benefits

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    Apple Card: 3% Daily Cash at Apple & select merchants

    3% Daily Cash

    3% Daily Cash back on purchases from Apple and select merchants (Nike, Walgreens, Duane Reade) when paid with Apple Card via Apple Pay. Unlimited, deposited daily.

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    Apple Card: 2% Daily Cash with Apple Pay

    2% Daily Cash

    2% Daily Cash back on every purchase paid with Apple Card via Apple Pay. Unlimited, paid daily.

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    Apple Card: 1% Daily Cash on physical card

    1% Daily Cash

    1% Daily Cash back on purchases where Apple Pay is not accepted (titanium card or virtual card number).

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    AirPods Pro 3 Bonus Daily Cash — up to $250

    Up to $250 Bonus Daily Cash

    New cardmembers: earn $25 Bonus Daily Cash each month (up to $250 total) for making 10+ qualifying purchases each month, after buying AirPods Pro 3 directly from Apple on the new Apple Card.

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    No Fees

    $0 in fees

    No annual fee, no foreign transaction fee, no late fees, no over-limit fees. Cash advances are not offered.

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    Apple Card Monthly Installments (ACMI)

    0% APR on Apple products

    0% APR financing on eligible Apple products when you pay with Apple Card via Apple Card Monthly Installments.

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    Apple Card Savings Account

    High-yield Savings

    High-yield Savings account by Goldman Sachs Bank USA. Auto-deposit Daily Cash into Savings — no fees, no minimum balance, FDIC-insured.

    Goldman Sachs
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    Apple Card Family

    Shared account, up to 5 members

    Share Apple Card with up to five family members (co-owners + participants), track spending, set limits for participants, and build credit together.

    Apple

    Network benefits coming soon — administered at cardholderbenefits.com/capitalone.

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    Apple's secure site. Terms & restrictions apply. See rates & fees disclaimer.

    LUXE AI publishes independent editorial content to help you understand and use credit card benefits more intelligently. We may earn compensation from partners when you engage with certain offers. Our recommendations are not influenced by card issuers. Our analysis and recommendations are created independently and are not reviewed or influenced by any card issuer prior to publication.

    Credit card terms, benefits, and offers are subject to change and may not always reflect the most current information. We encourage readers to verify details directly with the card issuer. Nothing on this site constitutes a guarantee of accuracy, approval, or availability.