The fact that Apple Card lives on your iPhone lets you do things you simply couldn’t do before. Things that actually help you build a healthier financial life.
What you spend, when, and where. All beautifully clear.
Tap for a weekly summary. Tap for a monthly summary.
When you want to see how much you’re spending, there’s no need to log in to a separate website or app. Your totals are laid out for you in the Wallet app, by week or by month.
Only it’s not just your totals. Apple Card makes it easy to spot trends in your spending, so you can decide if you want to change them. See a lot of orange? That’s things like lunch and coffee. Green? Must be those tickets to Miami.
Maps. There’s no easier way to pin down your spending.
Wait, where’s that $46.32 charge from? Apple Card uses Maps to pinpoint where you bought something. No mysterious merchant codes. No guessing. Just the store name, along with its location on a map. Helpful.
Food. Shopping. Entertainment. See where it all goes at a glance.
Tap Food and Drinks to view a list of purchases from places like Whole Foods Markets, Dunkin', and DoorDash. Or Entertainment to see what you’ve spent on movies, concerts — even your Apple Music subscription. You can also tap a merchant name to see all your purchases from them.
Daily Cash that’s even easier to spend than cash.
Whether you’re grabbing coffee or reserving flights, Apple Card gives you Daily Cash on every purchase you make.1 And there are no limits on the amount you can get.2 It goes straight to your Apple Cash card in the Wallet app, so you can spend it with a tap. On anything you want.
Buy things in stores, on websites, and in apps. Or make a payment on your Apple Card. Or pay back a friend in Messages. Or send it straight to your bank account and watch it add up. The money on your Apple Cash card can be spent using your iPhone, iPad, Apple Watch, and Mac.
3%
Get 3% back on everything you buy from Apple, whether you buy it at an Apple Store, apple.com, the App Store, or iTunes. That includes games, in‑app purchases, and services like your Apple Music subscription and iCloud storage plan.
2%
Get 2% back every time you buy something using Apple Pay. That’s in every category, with no limits. Imagine all the things you use a credit card for every day — at Target, Walgreens, Lyft. You’ll get 2% back on just about everything.
1%
If you happen to come across a store, website, or app that doesn’t take Apple Pay yet, Apple Card still gives you 1% of your purchases back in the form of Daily Cash.
Payments. Balances. Interest. Made simple.
Clearly see how to save on interest.
The best way to save on interest is to pay your balance in full every month. When you can’t do that, Apple Card does the math for you. Choose any amount you wish to pay — $530, $780, $1025 — and watch Apple Card estimate the interest cost for you.3 In real time. So you can make an informed decision.
Apple Card also offers up smart payment suggestions that encourage you to pay a little more than you normally would, and help you pay off your balance faster.
Payment schedules based on common sense.
Credit card payments often have seemingly random due dates. With Apple Card, your payment is due on the last day of the month. Easy to remember. Makes complete sense. You can also set up weekly or biweekly payments to match when you get paid. By the way, paying more often helps you save on interest, too.
Everyone can use a reminder.
Apple Card sends you reminders that your due date is coming up. Why wouldn’t we?
Fees don’t help you. So we don’t have them.
Other credit cards have fees. Apple Card doesn’t.4 No, really. No annual fees. No cash‑advance fees. No international fees. No over‑the‑limit or returned‑payment fees. And best of all, no hidden fees. Which means your balance won’t catch you by surprise. Surprise!
And our goal with Apple Card is to provide interest rates that are among the lowest in the industry. If you miss a payment, not to worry. We won’t charge you a late fee or apply a new high-interest penalty rate. However, you will continue to accrue interest on your balance at your regular interest rate.
Real‑time fraud protection.
Every time you buy something, you get an instant notification. So you’ll be the first to know if something doesn’t seem right. You’ll also be notified of any unusual activity. Don’t recognize a charge? Just tap to let us know. That’s it. We’ll take it from there, and you won’t be liable for any fraudulent charges.
Still have a question? There’s no need to call. And wait on hold. And listen to elevator music. You can get an answer 24/7 by texting.
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