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class="globalnav-image-regular globalnav-link-image"> <svg height="44" viewbox="0 0 38 44" width="38" xmlns="http://www.w3.org/2000/svg"> <path d="m32.7129 22.3203h3.48c-.023-1.119-.691-1.857-1.693-1.857-1.008 0-1.711.738-1.787 1.857zm4.459 2.045c-.293 1.078-1.277 1.746-2.66 1.746-1.752 0-2.848-1.266-2.848-3.264 0-1.986 1.113-3.275 2.848-3.275 1.705 0 2.742 1.213 2.742 3.176v.386h-4.541v.047c.053 1.248.75 2.039 1.822 2.039.815 0 1.366-.298 1.629-.855zm-12.282-4.682h.961v.996h.094c.316-.697.932-1.107 1.898-1.107 1.418 0 2.209.838 2.209 2.338v4.09h-1.007v-3.844c0-1.137-.481-1.676-1.489-1.676s-1.658.674-1.658 1.781v3.739h-1.008zm-2.499 3.158c0-1.5-.674-2.361-1.869-2.361-1.196 0-1.87.861-1.87 2.361 0 1.495.674 2.362 1.87 2.362 1.195 0 1.869-.867 1.869-2.362zm-4.782 0c0-2.033 1.114-3.269 2.913-3.269 1.798 0 2.912 1.236 2.912 3.269 0 2.028-1.114 3.27-2.912 3.27-1.799 0-2.913-1.242-2.913-3.27zm-6.636-5.666h1.008v3.504h.093c.317-.697.979-1.107 1.946-1.107 1.336 0 2.179.855 2.179 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watch" aria-label="Watch" class="globalnav-link globalnav-submenu-trigger-link globalnav-link-watch"><span class="globalnav-link-text-container"><span class="globalnav-image-regular globalnav-link-image"> <svg height="44" viewbox="0 0 35 44" width="35" xmlns="http://www.w3.org/2000/svg"> <path d="m28.9819 17.1758h1.008v3.504h.094c.316-.697.978-1.108 1.945-1.108 1.336 0 2.18.856 2.18 2.338v4.09h-1.008v-3.844c0-1.119-.504-1.675-1.459-1.675-1.131 0-1.752.715-1.752 1.781v3.738h-1.008zm-2.42 4.441c-.164-.627-.721-1.136-1.629-1.136-1.137 0-1.852.908-1.852 2.338 0 1.459.727 2.384 1.852 2.384.849 0 1.441-.392 1.629-1.107h1.019c-.182 1.16-1.125 2.016-2.642 2.016-1.77 0-2.901-1.284-2.901-3.293 0-1.969 1.125-3.247 2.895-3.247 1.535 0 2.472.92 2.648 2.045zm-6.533-3.568v1.635h1.407v.844h-1.407v3.574c0 .744.282 1.06.938 1.06.182 0 .281-.006.469-.023v.85c-.2.035-.393.058-.592.058-1.301 0-1.822-.48-1.822-1.687v-3.832h-1.02v-.844h1.02v-1.635zm-4.2 5.596v-.58l-1.699.111c-.961.064-1.383.398-1.383 1.031 0 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globalnav-item-accessories globalnav-item-menu "> <ul role="none" class="globalnav-submenu-trigger-group"> <li class="globalnav-submenu-trigger-item"><a href="https://www-apple-com.translate.goog/us/shop/goto/buy_accessories?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-globalnav-item-name="accessories" data-topnav-flyout-trigger-compact="true" data-analytics-title="accessories" data-analytics-element-engagement="hover - accessories" aria-label="Accessories" class="globalnav-link globalnav-submenu-trigger-link globalnav-link-accessories"><span class="globalnav-link-text-container"><span class="globalnav-image-regular globalnav-link-image"> <svg height="44" viewbox="0 0 67 44" width="67" xmlns="http://www.w3.org/2000/svg"> <path d="m5.6603 23.5715h-3.3633l-.8496 2.4199h-1.1074l3.1172-8.4551h1.043l3.1172 8.4551h-1.1075zm-3.0527-.8965h2.7422l-1.3242-3.7734h-.0938zm10.0986-1.0664c-.1641-.627-.7207-1.1367-1.6289-1.1367-1.1367 0-1.8516.9082-1.8516 2.3379 0 1.459.7266 2.3848 1.8516 2.3848.8496 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class="globalnav-link-text-container"><span class="globalnav-image-regular globalnav-link-image"> <svg height="44" viewbox="0 0 44 44" width="44" xmlns="http://www.w3.org/2000/svg"> <path d="m42.1206 18.0337v1.635h1.406v.844h-1.406v3.574c0 .744.281 1.06.937 1.06.182 0 .282-.006.469-.023v.849c-.199.036-.392.059-.592.059-1.3 0-1.822-.48-1.822-1.687v-3.832h-1.019v-.844h1.019v-1.635zm-6.131 1.635h.961v.937h.093c.188-.615.914-1.049 1.752-1.049.164 0 .375.012.504.03v1.008c-.082-.024-.445-.059-.644-.059-.961 0-1.659.644-1.659 1.535v3.914h-1.007zm-2.463 3.158c0-1.5-.674-2.361-1.869-2.361s-1.869.861-1.869 2.361c0 1.494.674 2.361 1.869 2.361s1.869-.867 1.869-2.361zm-4.781 0c0-2.033 1.113-3.27 2.912-3.27s2.912 1.237 2.912 3.27c0 2.027-1.113 3.27-2.912 3.27s-2.912-1.243-2.912-3.27zm-2.108 0c0-1.477-.692-2.361-1.846-2.361-1.143 0-1.863.908-1.863 2.361 0 1.447.72 2.361 1.857 2.361 1.16 0 1.852-.884 1.852-2.361zm1.043 0c0 1.975-1.049 3.27-2.655 3.27-.902 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s0.396-0.076,0.548-0.228C14.601,27.995,14.601,27.505,14.298,27.202z M1.55,20c0-2.454,1.997-4.45,4.45-4.45 c2.454,0,4.45,1.997,4.45,4.45S8.454,24.45,6,24.45C3.546,24.45,1.55,22.454,1.55,20z" /> </svg></span><span class="globalnav-image-compact"> <svg height="48" viewbox="0 0 17 48" width="17" xmlns="http://www.w3.org/2000/svg"> <path d="m16.2294 29.9556-4.1755-4.0821a6.4711 6.4711 0 1 0 -1.2839 1.2625l4.2005 4.1066a.9.9 0 1 0 1.2588-1.287zm-14.5294-8.0017a5.2455 5.2455 0 1 1 5.2455 5.2527 5.2549 5.2549 0 0 1 -5.2455-5.2527z" /> </svg></span></a> <div id="globalnav-submenu-search" aria-labelledby="globalnav-menubutton-link-search" class="globalnav-flyout globalnav-submenu"> <div class="globalnav-flyout-scroll-container"> <div class="globalnav-flyout-content globalnav-submenu-content"> <form action="/us/search" method="get" class="globalnav-searchfield"> <div class="globalnav-searchfield-wrapper"> <input placeholder="Search apple.com" aria-label="Search apple.com" autocorrect="off" autocapitalize="off" autocomplete="off" spellcheck="false" class="globalnav-searchfield-input"><input id="globalnav-searchfield-src" type="hidden" name="src" value><input type="hidden" name="type" value><input type="hidden" name="page" value><input type="hidden" name="locale" value><button aria-label="Clear search" tabindex="-1" type="button" class="globalnav-searchfield-reset"><span class="globalnav-image-regular"> <svg height="14" viewbox="0 0 14 14" width="14" xmlns="http://www.w3.org/2000/svg"> <path d="m7 .0339a6.9661 6.9661 0 1 0 6.9661 6.9661 6.9661 6.9661 0 0 0 -6.9661-6.9661zm2.798 8.9867a.55.55 0 0 1 -.778.7774l-2.02-2.02-2.02 2.02a.55.55 0 0 1 -.7784-.7774l2.0206-2.0206-2.0204-2.02a.55.55 0 0 1 .7782-.7778l2.02 2.02 2.02-2.02a.55.55 0 0 1 .778.7778l-2.0203 2.02z" /> </svg></span><span class="globalnav-image-compact"> <svg height="16" viewbox="0 0 16 16" width="16" xmlns="http://www.w3.org/2000/svg"> <path d="m0 8a8.0474 8.0474 0 0 1 7.9922-8 8.0609 8.0609 0 0 1 8.0078 8 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data-globalnav-item-name="bag" data-topnav-flyout-trigger-regular="true" data-topnav-flyout-trigger-compact="true" data-analytics-title="open - bag" class="globalnav-link globalnav-link-bag"><span class="globalnav-image-regular"> <svg height="44" viewbox="0 0 14 44" width="14" xmlns="http://www.w3.org/2000/svg"> <path d="m11.3535 16.0283h-1.0205a3.4229 3.4229 0 0 0 -3.333-2.9648 3.4229 3.4229 0 0 0 -3.333 2.9648h-1.02a2.1184 2.1184 0 0 0 -2.117 2.1162v7.7155a2.1186 2.1186 0 0 0 2.1162 2.1167h8.707a2.1186 2.1186 0 0 0 2.1168-2.1167v-7.7155a2.1184 2.1184 0 0 0 -2.1165-2.1162zm-4.3535-1.8652a2.3169 2.3169 0 0 1 2.2222 1.8652h-4.4444a2.3169 2.3169 0 0 1 2.2222-1.8652zm5.37 11.6969a1.0182 1.0182 0 0 1 -1.0166 1.0171h-8.7069a1.0182 1.0182 0 0 1 -1.0165-1.0171v-7.7155a1.0178 1.0178 0 0 1 1.0166-1.0166h8.707a1.0178 1.0178 0 0 1 1.0164 1.0166z" /> </svg></span><span class="globalnav-image-compact"> <svg height="48" viewbox="0 0 17 48" width="17" xmlns="http://www.w3.org/2000/svg"> <path 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class="ac-ln-menu-tray"> <ul class="ac-ln-menu-items"> <li class="ac-ln-menu-item"><span class="ac-ln-menu-link current" role="link" aria-disabled="true" aria-current="page">Overview</span></li> <li class="ac-ln-menu-item"><a href="https://www-apple-com.translate.goog/apple-card/features/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" class="ac-ln-menu-link" data-analytics-title="features">Features</a></li> <li class="ac-ln-menu-item"><a href="https://www-apple-com.translate.goog/apple-card/family/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" class="ac-ln-menu-link" data-analytics-title="family">Family</a></li> <li class="ac-ln-menu-item"><a href="https://www-apple-com.translate.goog/apple-card/monthly-installments/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" class="ac-ln-menu-link" data-analytics-title="monthly installments">Monthly Installments</a></li> <li class="ac-ln-menu-item"><a href="https://www-apple-com.translate.goog/apple-card/how-to/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" 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data-analytics-title="apply now" aria-label="Apply now, Apple Card" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link> Apply now <span class="ac-ln-action-product"></span> </a> </div> </div> </div> </div> </div> </nav><label id="ac-ln-curtain" for="ac-ln-menustate"></label> <script type="text/javascript" src="/ac/localnav/9/scripts/ac-localnav.built.js"></script> <main id="main" class="main" role="main" data-page-type="overview"> <div class="ribbon" data-analytics-activitymap-region-id="ribbon"> <div class="ribbon-drop-wrapper"> <div class="ribbon-content-wrapper"> <div class="ribbon-content row"> <div class="column large-8 medium-12 large-centered"> Starting February 1, 2025, using Apple Card with Apple Pay at Panera Bread will change from earning 3% to earning the standard 2% Daily Cash back.<sup class="footnote footnote-diamond"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-2" aria-label="Footnote ◊ symbol" data-modal-close>◊</a></sup> </div> </div> </div> </div> </div> <section class="section section-hero" data-component-list="Hero" data-analytics-section-engagement="name:hero"> <div class="section-content"> <div class="hero-content-container"> <h1><span class="visuallyhidden">Apple Card</span> <svg class="hero-logo" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 113 34"> <path fill="none" d="M0 0h113v34H0z" /><path d="M18.56 6.18c1.06-1.33 1.78-3.11 1.59-4.93-1.56.08-3.45 1.02-4.55 2.35-.99 1.14-1.86 2.99-1.63 4.74 1.75.15 3.49-.87 4.59-2.16m1.57 2.5c-2.54-.15-4.69 1.44-5.9 1.44S11.16 8.76 9.16 8.8c-2.61.04-5.03 1.51-6.36 3.86-2.73 4.69-.72 11.65 1.93 15.47 1.29 1.89 2.84 3.97 4.88 3.9 1.93-.08 2.69-1.25 5.04-1.25s3.03 1.25 5.07 1.21c2.12-.04 3.45-1.89 4.73-3.78 1.48-2.15 2.08-4.23 2.12-4.35-.04-.04-4.09-1.59-4.13-6.24-.04-3.89 3.18-5.75 3.33-5.86-1.82-2.68-4.66-2.99-5.64-3.06m10.63 8.9c0-8.98 5.08-14.65 13.01-14.65 6.44 0 11.3 3.95 12.05 9.87h-4.37c-.79-3.64-3.82-6.02-7.68-6.02-5.16 0-8.51 4.23-8.51 10.79s3.31 10.81 8.53 10.81c3.96 0 6.77-2.02 7.66-5.45h4.39c-1.08 5.86-5.53 9.3-12.07 9.3-7.97 0-13.01-5.62-13.01-14.66zm27.12 8.32c0-3.62 2.78-5.84 7.7-6.11l5.67-.33v-1.59c0-2.3-1.56-3.68-4.15-3.68-2.46 0-4 1.18-4.37 3.03h-4.02c.24-3.74 3.43-6.49 8.54-6.49s8.23 2.65 8.23 6.8V31.8H71.4v-3.4h-.1c-1.2 2.3-3.82 3.75-6.54 3.75-4.06 0-6.89-2.52-6.89-6.23zm13.37-1.87v-1.63l-5.1.31c-2.54.18-3.98 1.3-3.98 3.07s1.5 2.99 3.78 2.99c2.97 0 5.3-2.04 5.3-4.74zm8.35-12.93h4.06v3.52h.1c.69-2.42 2.54-3.85 4.98-3.85.61 0 1.14.1 1.46.16v3.95c-.33-.14-1.08-.24-1.91-.24-2.74 0-4.43 1.83-4.43 4.76V31.8h-4.25V11.1zm11.38 10.34c0-6.53 3.47-10.67 8.66-10.67 2.97 0 5.34 1.49 6.5 3.77h.08V3.41h4.27v28.37h-4.13v-3.52h-.08c-1.22 2.36-3.58 3.87-6.6 3.87-5.24 0-8.7-4.17-8.7-10.69zm4.35 0c0 4.36 2.11 7.1 5.47 7.1s5.45-2.77 5.45-7.1-2.19-7.1-5.45-7.1-5.47 2.75-5.47 7.1z" /> </svg></h1> <div class="hero-content"> <h2 class="typography-hero-headline">The simplicity of Apple.<br> In a credit card.</h2><a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://card.apple.com/apply/application?referrer%3Dcid%253Dapy-200-10000036%26start%3Dfalse" aria-label="Apply now, Apple Card" class="button button-elevated button-neutral button-just-right apply-now-cta" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link>Apply now</a> <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://wallet.apple.com/apple-card/setup/feature/ccs?referrer%3Dcid%253Dapy-200-10000036" aria-label="Apply now, Apple Card" class="button button-neutral button-just-right apply-now-cta mobile-wallet" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link>Apply now</a> </div> </div> <figure class="hero-hw"></figure> </div> </section> <section class="section section-simplicity" data-analytics-section-engagement="name:simplicity"> <div class="section-content"> <p class="typography-grid-intro grid-intro">With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-3" aria-label="Footnote 1" data-modal-close>1</a></sup> and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-4" aria-label="Footnote 2" data-modal-close>2</a></sup> Advanced technologies like Face ID, Touch ID, and Apple Pay give you an enhanced level of privacy and security. And with every purchase you get Daily Cash back that you can spend <sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-5" aria-label="Footnote 3" data-modal-close>3</a></sup> or save.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-6" aria-label="Footnote 4" data-modal-close>4</a></sup> Apple Card. It’s everything a credit card should be.</p> </div> </section> <section class="section section-tiles-grid" data-component-list="TileFlip Modal"> <div class="section-content"> <div class="tiles-container"> <div class="tile-overlay"></div> <div class="tile full built-iphone" data-tile-id="built-iphone" data-tile-type="tile-flip" data-anim-keyframes="[{"start": "a0t - 70vh", "end": "a0b"}]" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:built for iphone"> <div class="front-face"> <h2 class="typography-tile-iphone build-iphone-headline">Created by Apple.<br> Powered by iPhone.</h2> <figure class="image-built-for-iphone" data-anim-lazy-image></figure><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | built for iphone" data-analytics-click="prop3:open | built for iphone" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Built for iPhone</span> </button> </div> <div role="dialog" class="back-face image-layout" aria-labelledby="headline-built-iphone"> <div class="content-column built-iphone-content-column content-column-alt"> <h2 id="headline-built-iphone" tabindex="0" class="typography-tile-backface-content backface-headline">Built for iPhone</h2> <p class="typography-tile-backface-content backface-copy">Apple Card lives on your iPhone, in the Wallet app. You can apply in as little as a minute and start using it right away with Apple Pay.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-7" aria-label="Footnote 5" data-modal-close>5</a></sup> Your transactions, payments, and account details are all in one place, where only you can see them.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-8" aria-label="Footnote 6" data-modal-close>6</a></sup> You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> <div class="image-column static-image-column" aria-hidden="true"> <figure class="image-build-for-iphone static-image" data-anim-lazy-image></figure> </div> </div> </div> <div class="tile half no-fees" data-tile-id="no-fees" data-tile-type="tile-flip" data-anim-classname="{"start":"t - 80vh","cssClass":"fadein", "disabledWhen": "reduced-motion, text-zoom"}" data-analytics-section-engagement="name:no fees"> <div class="front-face"> <div class="typography-tile-fees text-container"> <div class="fade-container"> <div class="no-fees-copy"> No fees. </div> </div> <div class="fade-container"> <div class="fadein-text-1"> Not </div> </div> <div class="fade-container"> <div class="fadein-text-2"> even </div> </div> <div class="fade-container"> <div class="fadein-text-3"> hidden </div> </div> <div class="fade-container"> <div class="fadein-text-4"> ones. </div> </div> </div><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | no fees" data-analytics-click="prop3:open | no fees" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about No Fees</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-no-fees"> <div class="content-column no-fees-content-column content-column-alt"> <h2 id="headline-no-fees" tabindex="0" class="typography-tile-backface-content backface-headline">No Fees</h2> <p class="typography-tile-backface-content backface-copy">We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-9" aria-label="Footnote 7" data-modal-close>7</a></sup> No fees. Really. Because your credit card should work for you, not against you.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> <div class="tile half interest-wheel" data-tile-id="interest-wheel" data-tile-type="tile-flip" data-analytics-section-engagement="name:pay less interest"> <div class="front-face"> <div class="interest-video" data-component-list="InlineVideo" data-anim-keyframes="[{"start": "a0t - 30vh", "end": "a0b", "breakpointMask": "MLX", "anchors": ".interest-wheel"}, {"start": "a0t - 75vh", "end": "a0b", "breakpointMask": "S"}]"> <div class="image-interest-startframe" data-video-startframe data-anim-lazy-image></div> <div class="image-interest-endframe hide" data-video-endframe data-anim-lazy-image></div> <video id="interest-video" class="inline-video" data-component-list="VideoViewportSource" data-src-small="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/interest_wheel/small.mp4" data-src-medium="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/interest_wheel/medium.mp4" data-src-large="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/interest_wheel/large.mp4" data-enable-retina muted playsinline role="presentation"> </video> <h2 class="typography-tile-interest interest-headline">The first credit card that actually encourages you to pay less interest.</h2> </div><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | pay less interest" data-analytics-click="prop3:open | pay less interest" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Pay Less Interest</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-interest-wheel"> <div class="content-column interest-wheel-content-column content-column-alt"> <h2 id="headline-interest-wheel" tabindex="0" class="typography-tile-backface-content backface-headline">Pay Less Interest</h2> <p class="typography-tile-backface-content backface-copy">Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-10" aria-label="Footnote 8" data-modal-close>8</a></sup> And it does that in real time, so you can make an informed decision about how much of your balance to pay down.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> <div class="tile full daily-cash" data-tile-id="daily-cash" data-tile-type="tile-flip" data-anim-keyframes="[{"start": "a0t - 70vh", "end": "a0b + 10vh", "breakpointMask": "MLX"}, {"start": "a0t - 70vh", "end": "a0b", "breakpointMask": "S"}]" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:unlimited daily cash"> <div class="front-face"> <h2 class="typography-tile-cash-headline daily-cash-headline">Unlimited<br> Daily Cash back.</h2> <p class="typography-tile-cash-intro daily-cash-copy">Real cash you can use right away.</p> <div class="daily-cash-video" data-component-list="InlineVideo" data-anim-keyframes="[{"start": "a0t - 75vh", "end": "a0b", "breakpointMask": "LX"}, {"start": "a0t - 85vh", "end": "a0b", "breakpointMask": "M"}, {"start": "a0t - 90vh", "end": "a0b", "breakpointMask": "S"}]"> <div class="image-daily-cash-endframe hide" data-video-endframe data-anim-lazy-image></div> <video id="daily-cash-video" class="inline-video" data-component-list="VideoViewportSource" data-src-small="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/daily_cash/small.mp4" data-src-medium="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/daily_cash/medium.mp4" data-src-large="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/daily_cash/large.mp4" data-enable-retina muted playsinline role="presentation"> </video> </div><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | unlimited daily cash" data-analytics-click="prop3:open | unlimited daily cash" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Unlimited Daily Cash</span> </button> </div> <div role="dialog" class="back-face image-layout" aria-labelledby="headline-daily-cash"> <div class="content-column daily-cash-content-column content-column-alt"> <h2 id="headline-daily-cash" tabindex="0" class="typography-tile-backface-content backface-headline">Unlimited Daily Cash</h2> <p class="typography-tile-backface-content backface-copy">When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash — not a month from now, but every day. It’s real cash, so unlike rewards, it never expires or loses its value. You can choose to have it automatically deposited onto your Apple Cash card in the Wallet app, and it’s ready to send or spend however you’d like.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-11" aria-label="Footnote 9" data-modal-close>9</a></sup> Or you can open a Savings account with Apple Card and route your Daily Cash directly into the account, where it can earn interest. And there’s no limit to how much Daily Cash you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend. Or save it up and watch it grow over time.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> <div class="image-column static-image-column" aria-hidden="true"> <figure class="image-unlimited-daily-cash static-image" data-anim-lazy-image></figure> </div> </div> </div> <div class="tile half two-percent" data-tile-id="two-percent" data-tile-type="tile-flip" data-anim-keyframes="[{"start": "a0t - 75vh", "end": "a0b"}]" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:two percent daily cash back"> <div class="front-face"> <h2 class="typography-tile-two-percent-headline two-percent-headline">Get 2% Daily Cash back when you use Apple Card with Apple Pay.</h2> <figure class="image-cashback" data-anim-lazy-image></figure><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | two percent daily cash back" data-analytics-click="prop3:open | two percent daily cash back" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about 2% Daily Cash</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-two-percent"> <div class="content-column two-percent-content-column content-column-alt"> <h2 id="headline-two-percent" tabindex="0" class="typography-tile-backface-content backface-headline">2% Daily Cash</h2> <p class="typography-tile-backface-content backface-copy">The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash you can spend, send, or save and grow over time.</p> <p class="typography-tile-backface-content backface-copy">Just look for <span role="text" class="icon icon-applepay" aria-label="Apple Pay icon" data-anim-lazy-image></span> or <span role="text" class="icon icon-contactless" aria-label="Contactless icon" data-anim-lazy-image></span> <span class="nowrap-small">when you check out.</span></p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> <div class="tile half mega-merchants" data-tile-id="mega-merchants" data-tile-type="tile-flip" data-anim-keyframes="[{"start": "a0t - 75vh", "end": "a0b"}]" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:shop apple merchants"> <div class="front-face"> <h2 class="typography-tile-merchants mega-merchants-headline">Get 3% Daily Cash back at Apple. And at select merchants when you use Apple Pay.</h2> <div class="logos-container logos-container--ace"> <figure class="image-logo-apple" data-anim-lazy-image></figure> <figure class="image-logo-ace" data-anim-lazy-image></figure> <figure class="image-logo-booking" data-anim-lazy-image></figure> <figure class="image-logo-chargepoint" data-anim-lazy-image></figure> <figure class="image-logo-duane-reade" data-anim-lazy-image></figure> <figure class="image-logo-exxon" data-anim-lazy-image></figure> <figure class="image-logo-mobil" data-anim-lazy-image></figure> <figure class="image-logo-nike" data-anim-lazy-image></figure> <figure class="image-logo-tmobile" data-anim-lazy-image></figure> <figure class="image-logo-uber" data-anim-lazy-image></figure> <figure class="image-logo-uber-eats" data-anim-lazy-image></figure> <figure class="image-logo-walgreens" data-anim-lazy-image></figure> </div> <p class="typography-caption mega-merchants-disclaimer">Limitations apply.<br class="xs-only"> See terms for details.</p><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | shop apple merchants" data-analytics-click="prop3:open | shop apple merchants" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about 3% Daily Cash</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-mega-merchants"> <div class="content-column mega-merchants-content-column content-column-alt"> <h2 id="headline-mega-merchants" tabindex="0" class="typography-tile-backface-content backface-headline">3% Daily Cash</h2> <p class="typography-tile-backface-content backface-copy">Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+. You’ll also get 3% Daily Cash back when you use your Apple Card with Apple Pay at your favorite spots, like Nike, Uber, Walgreens, and more.<sup class="footnote footnote-diamond"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-2" aria-label="Footnote ◊ symbol" data-modal-close>◊</a></sup></p> <div class="typography-tile-backface-content backface-list"> <ul role="list"> <li role="listitem">Apple</li> <li role="listitem">Ace Hardware</li> <li role="listitem">Booking.com</li> <li role="listitem">ChargePoint</li> <li role="listitem">Duane Reade</li> <li role="listitem">Exxon</li> <li role="listitem">Mobil</li> <li role="listitem">Nike</li> <li role="listitem">T-Mobile</li> <li role="listitem">Uber</li> <li role="listitem">Uber Eats</li> <li role="listitem">Walgreens</li> </ul> </div> <p class="typography-caption backface-disclaimer">Limitations apply.<br class="xs-only"> See terms for details.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> <div class="tile full grow-daily-cash" data-tile-id="grow-daily-cash" data-tile-type="tile-flip" data-anim-keyframes="[{"start": "a0t - 70vh", "end": "a0b + 10vh", "breakpointMask": "MLX"}, {"start": "a0t - 75vh", "end": "a0b", "breakpointMask": "S"}]" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:grow your daily cash"> <div class="front-face"> <h2 class="typography-tile-cash-headline grow-daily-cash-headline">Grow your <span class="grow-daily-cash-copy">Daily Cash</span> over time.</h2> <p class="typography-tile-cash-intro">Automatically save it and earn interest.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-6" aria-label="Footnote 4" data-modal-close>4</a></sup></p> <figure class="image-graph-daily-cash" data-component-list="Parallax" data-anim-start="t - 100vh" data-anim-end="b" data-translate-y="10h,-10h" data-anim-lazy-image></figure><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | grow your daily cash" data-analytics-click="prop3:open | grow your daily cash" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Save and Earn Interest</span> </button> </div> <div role="dialog" class="back-face image-layout" aria-labelledby="headline-grow-daily-cash"> <div class="content-column grow-daily-cash-content-column content-column-alt"> <h2 id="headline-grow-daily-cash" tabindex="0" class="typography-tile-backface-content backface-headline">Save and Earn Interest</h2> <p class="typography-tile-backface-content backface-copy">With Savings, you can choose to grow your Daily Cash in a high-yield savings account. It takes just a few steps to set up your account and start saving. Your Daily Cash is deposited automatically. Your account information lives right in Wallet. And you can even add funds from Apple Cash and other bank accounts to build your savings more quickly.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-12" aria-label="Footnote 10" data-modal-close>10</a></sup></p><a href="https://www-apple-com.translate.goog/apple-card/financial-health/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#grow-daily-cash" data-analytics-title="learn more about savings" class="icon-wrapper typography-tile-backface-link"><span class="icon-copy">Learn more about Savings</span><span class="icon icon-after more"></span></a> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> <div class="image-column static-image-column" aria-hidden="true"> <figure class="image-grow-daily-cash static-image" data-anim-lazy-image></figure> </div> </div> </div> <div class="tile full apple-card-family" data-tile-id="apple-card-family" data-tile-type="tile-flip" data-anim-keyframes="[{"start": "a0t - 70vh", "end": "a0b + 10vh", "breakpointMask": "MLX"}, {"start": "a0t - 75vh", "end": "a0b", "breakpointMask": "S"}]" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:apple card family"> <div class="front-face"> <figure class="image-apple-card-family" data-anim-lazy-image></figure> <p class="typography-tile-subhead apple-card-family-eyebrow">Apple Card Family</p> <h2 class="typography-tile-physical-card apple-card-family-headline">Healthy finances.<br> Family style.</h2><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | apple card family" data-analytics-click="prop3:open | apple card family" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Apple Card Family</span> </button> </div> <div role="dialog" class="back-face image-layout" aria-labelledby="headline-apple-card-family"> <div class="content-column apple-card-family-content-column content-column-alt"> <h2 id="headline-apple-card-family" tabindex="0" class="typography-tile-backface-content backface-headline">Apple Card Family</h2> <p class="typography-tile-backface-content backface-copy">Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-13" aria-label="Footnote 11" data-modal-close>11</a></sup> It allows two partners to merge credit lines<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-14" aria-label="Footnote 12" data-modal-close>12</a></sup> to form a single co-owned account,<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-15" aria-label="Footnote 13" data-modal-close>13</a></sup> manage that account together, and build credit as equals.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-16" aria-label="Footnote 14" data-modal-close>14</a></sup> Participants<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-17" aria-label="Footnote 15" data-modal-close>15</a></sup> 18 and older can choose to start building their own credit history,<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-18" aria-label="Footnote 16" data-modal-close>16</a></sup> and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-19" aria-label="Footnote 17" data-modal-close>17</a></sup></p><a href="https://www-apple-com.translate.goog/apple-card/family/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="learn more about apple card family" class="icon-wrapper typography-tile-backface-link"><span class="icon-copy">Learn more about Apple Card Family</span><span class="icon icon-after more"></span></a> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> <div class="image-column static-image-column" aria-hidden="true"> <figure class="image-ac-family static-image" data-anim-lazy-image></figure> </div> </div> </div> <div class="tile full physical-card" data-tile-id="physical-card" data-tile-type="tile-flip" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:titanium card"> <div class="front-face"> <div class="titanium-video" data-component-list="InlineVideo"> <div class="image-titanium-startframe" data-video-startframe data-anim-lazy-image></div> <div class="image-titanium-endframe hide" data-video-endframe data-anim-lazy-image></div> <video id="titanium-video" class="inline-video" data-component-list="VideoViewportSource" data-src-small="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/card/small.mp4" data-src-medium="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/card/medium.mp4" data-src-large="/105/media/us/apple-card/2020/53f631e5-305f-4ec8-8eb6-057df67c4579/anim/card/large.mp4" data-enable-retina muted playsinline role="presentation"> </video> </div> <div class="scrim"></div> <h2 class="typography-tile-physical-card physical-card-headline">Goodbye, plastic.<br> Hello, titanium.</h2><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | titanium card" data-analytics-click="prop3:open | titanium card" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Titanium Card</span> </button> </div> <div role="dialog" class="back-face image-layout" aria-labelledby="headline-physical-card"> <div class="content-column physical-card-content-column content-column-alt"> <h2 id="headline-physical-card" tabindex="0" class="typography-tile-backface-content backface-headline">Titanium Card</h2> <p class="typography-tile-backface-content backface-copy">With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> <div class="image-column static-image-column" aria-hidden="true"> <figure class="image-titanium-card static-image" data-anim-lazy-image></figure> </div> </div> </div> <div class="tile full privacy-security" data-tile-id="privacy-security" data-tile-type="tile-flip" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:privacy and security"> <div class="front-face"> <figure class="image image-privacy-security" data-anim-lazy-image></figure> <h2 class="typography-tile-subhead small-6">Privacy and Security</h2> <div class="typography-tile-privacy-headline"> <p class="line line-1">Your card.</p> <p class="line line-2">Your info.</p> <p class="line line-3">Your business.</p> </div><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | privacy and security" data-analytics-click="prop3:open | privacy and security" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Privacy and Security</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-privacy-security"> <div class="content-column privacy-security-content-column content-column-alt"> <h2 id="headline-privacy-security" tabindex="0" class="typography-tile-backface-content backface-headline">Privacy and Security</h2> <p class="typography-tile-backface-content backface-copy">Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you an enhanced level of security. And your data isn’t sold to third parties for marketing or advertising.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> <div class="tile full acmi" data-tile-id="pay-over-time" data-tile-type="tile-flip" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:acmi"> <div class="front-face"> <h2 class="typography-tile-pay-over-time-headline pay-over-time-headline large-5 large-offset-7 medium-5 medium-offset-7 small-12 small-offset-0">Pay for your<br> new Apple products<br> over time,<br> interest‑free</h2> <p class="typography-grid-intro pay-over-time-copy large-5 large-offset-7 medium-5 medium-offset-7 small-12 small-offset-0">when you choose to<br> check out with Apple Card Monthly Installments.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-20" aria-label="Footnote 18" data-modal-close>18</a></sup></p> <figure class="image-acmi" data-anim-lazy-image></figure><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | acmi" data-analytics-click="prop3:open | acmi" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Apple Card Monthly Installments</span> </button> </div> <div role="dialog" class="back-face image-layout" aria-labelledby="headline-pay-over-time"> <div class="content-column pay-over-time-content-column content-column-alt"> <h2 id="headline-pay-over-time" tabindex="0" class="typography-tile-backface-content backface-headline">Apple Card Monthly Installments</h2> <p class="typography-tile-backface-content backface-copy">You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-21" aria-label="Footnote 19" data-modal-close>19</a></sup> And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.</p><a href="https://www-apple-com.translate.goog/apple-card/monthly-installments/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="learn more about apple card monthly installments" class="icon-wrapper typography-tile-backface-link"><span class="icon-copy">Learn more about Apple Card Monthly Installments</span><span class="icon icon-after more"></span></a> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> <div class="image-column static-image-column" aria-hidden="true"> <figure class="image-monthly-installments static-image" data-anim-lazy-image></figure> </div> </div> </div> <div class="tile half financial-tools" data-tile-id="financial-tools" data-tile-type="tile-flip" data-component-list="TriggerAnimation" data-analytics-section-engagement="name:financial health"> <div class="front-face"> <h2 class="typography-tile-tools financial-headline">Tools to help<br> you make<br> financially<br> healthy<br> choices.</h2> <div class="bars-container"> <div class="bar bar-1"></div> <div class="bar bar-2"></div> <div class="bar bar-3"></div> <div class="bar bar-4"></div> <div class="bar bar-5"></div> </div><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | financial health" data-analytics-click="prop3:open | financial health" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Financial Health</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-financial-tools"> <div class="content-column financial-tools-content-column content-column-alt"> <h2 id="headline-financial-tools" tabindex="0" class="typography-tile-backface-content backface-headline">Financial Health</h2> <p class="typography-tile-backface-content backface-copy">To see how much you’re spending or saving, there’s no need to log in to a separate website or app. Your spending totals are automatically added up in the Wallet app, ready to view by week or by month. Color-coded categories make it easy to spot trends in your spending so you can decide if you want to change them. And Apple Card uses Maps to pinpoint where you bought something.<sup class="footnote footnote-number"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-22" aria-label="Footnote 20" data-modal-close>20</a></sup> No mysterious merchant codes. No guessing. If you choose to route your Daily Cash to Savings, you have anytime access to your account details and the interest you’ve received. You can even transfer money in and out at any time.</p><a href="https://www-apple-com.translate.goog/apple-card/financial-health/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="learn more | financial health" class="icon-wrapper typography-tile-backface-link"><span class="icon-copy">Learn about credit limits, interest rates, Savings, and more about financial health</span><span class="icon icon-after more"></span></a> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> <div class="tile half partnerships" data-tile-id="partnerships" data-tile-type="tile-flip" data-analytics-section-engagement="name:partnerships"> <div class="front-face"> <div class="gradient" data-component-list="ScrollGradient" data-anim-lazy-image> <h2 class="typography-tile-partnerships partnership-headline" data-scroll-gradient>Trusted partners for a different kind of credit card.</h2> <figure class="image-logo-mastercard-fallback" data-anim-lazy-image></figure> <figure class="image-logo-goldman-sachs-fallback" data-anim-lazy-image></figure> </div><button class="icon-wrapper flip-tile-button open-tile" tabindex="-1" data-analytics-title="open | partnerships" data-analytics-click="prop3:open | partnerships" data-analytics-intrapage-link> <i class="icon icon-plussolid" tabindex="0" aria-hidden="true"></i> <span class="visuallyhidden">Open to read more about Partnerships</span> </button> </div> <div role="dialog" class="back-face " aria-labelledby="headline-partnerships"> <div class="content-column partnerships-content-column content-column-alt"> <h2 id="headline-partnerships" tabindex="0" class="typography-tile-backface-content backface-headline">Partnerships</h2> <p class="typography-tile-backface-content backface-copy">To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.</p> </div><button class="icon-wrapper flip-tile-button close-tile"> <i class="icon icon-resetsolid" aria-hidden="true"></i> <span class="visuallyhidden">Close</span> </button> </div> </div> </div> </div> </section> <section class="section section-router" data-component-list="RevealRouter FocusHandler" data-anim-scroll-group="Router"> <div class="router-container" data-analytics-activitymap-region-id="router"> <div class="router" data-anim-lazy-image> <div class="section-content" data-y data-fade="{"start": "a0b - 75vh", "end":"a0b - 70vh", "breakpointMask":"S", "disabledWhen": ["text-zoom"]}" data-analytics-section-engagement="name:get started"> <figure class="image-router" data-scale data-anim-lazy-image></figure> <div class="row"> <div class="column large-10 large-offset-1 large-centered small-12 small-centered" data-fade="{"start": "a0b - 75vh", "end": "a0b - 55vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}"> <h2 class="router-headline typography-router-headline">Get started<br> with Apple Card.</h2> </div> </div> <div class="row"> <div class="column large-10 medium-9 small-12 large-centered"> <p class="router-subhead typography-router-subhead" data-fade="{"start": "a0b - 80vh", "end": "a0b - 70vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}">Apply in minutes to see if you are approved with no impact to your credit score.<span class="footnote footnote-supglyph"><a href="https://www-apple-com.translate.goog/apple-card/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB#footnote-1" aria-label="Footnote * symbol" data-modal-close>*</a></span></p> </div> </div> <div class="row"><a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://card.apple.com/apply/application?referrer%3Dcid%253Dapy-200-10000036%26start%3Dfalse" aria-label="Apply now, Apple Card" class="button button-apply button-light button-just-right apply-now-cta" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link data-fade="{"start": "a0b - 85vh", "end": "a0b - 75vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}">Apply now</a> <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://wallet.apple.com/apple-card/setup/feature/ccs?referrer%3Dcid%253Dapy-200-10000036" aria-label="Apply now, Apple Card" class="button button-apply button-light button-just-right apply-now-cta mobile-wallet" data-analytics-title="apply now" data-rid-relay="{"287":"referrer"}" data-analytics-exit-link data-fade="{"start": "a0b - 85vh", "end": "a0b - 75vh", "breakpointMask": "XLM", "disabledWhen": ["text-zoom"]}">Apply now</a> </div> </div> </div> <div class="scrim"></div> </div> </section> <section class="section section-routers"> <div class="section-content"> <h2 class="section-headline typography-router-overview-section-headline">More for <br class="small"> your finances.</h2> <div class="router-items"> <div class="router wallet" data-analytics-section-engagement="name:wallet router"> <h2 class="router-eyebrow typography-router-overview-eyebrow">Wallet</h2> <p class="router-headline typography-router-overview-headline">Carry one thing.<br> Everything.</p><a href="https://www-apple-com.translate.goog/wallet/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="learn more about wallet" aria-label="Learn more, Wallet" class="icon-wrapper router-cta typography-router-overview-cta"><span class="icon-copy">Learn more</span><span class="icon icon-after more"></span></a> <picture id="overview-routers-wallet-1" class="overview-routers-wallet router-image" data-lazy data-download-area-keyframe="{"start":"300vh"}"> <source data-empty srcset="data:image/gif;base64?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB,https://www-apple-com.translate.goog/apple-card/R0lGODlhAQABAHAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" media="(min-width:0px)"> <img src="/v/apple-card/m/images/overview/routers/wallet__invyty308pui_large.jpg" onload="__lp(event)" alt> </picture> <noscript><picture class="overview-routers-wallet router-image"> <source srcset="https://www-apple-com.translate.goog/v/apple-card/m/images/overview/routers/wallet__invyty308pui_large.jpg?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB,https://www-apple-com.translate.goog/v/apple-card/m/images/overview/routers/wallet__invyty308pui_large_2x.jpg?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB 2x" media="(min-width:0px)"> <img src="/v/apple-card/m/images/overview/routers/wallet__invyty308pui_large.jpg" alt> </picture> </noscript> </div> <div class="router apple-pay" data-analytics-section-engagement="name:apple pay router"> <h2 class="router-eyebrow typography-router-overview-eyebrow">Apple Pay</h2> <p class="router-headline typography-router-overview-headline">Pay the Apple way.</p><a href="https://www-apple-com.translate.goog/apple-pay/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="learn more about apple pay" aria-label="Learn more, Apple Pay" class="icon-wrapper router-cta typography-router-overview-cta"><span class="icon-copy">Learn more</span><span class="icon icon-after more"></span></a> <picture id="overview-routers-apple-pay-1" class="overview-routers-apple-pay router-image" data-lazy data-download-area-keyframe="{"start":"300vh"}"> <source data-empty srcset="data:image/gif;base64?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB,https://www-apple-com.translate.goog/apple-card/R0lGODlhAQABAHAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" media="(min-width:0px)"> <img src="/v/apple-card/m/images/overview/routers/apple_pay__c1cm2l09l742_large.jpg" onload="__lp(event)" alt> </picture> <noscript><picture class="overview-routers-apple-pay router-image"> <source srcset="https://www-apple-com.translate.goog/v/apple-card/m/images/overview/routers/apple_pay__c1cm2l09l742_large.jpg?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB,https://www-apple-com.translate.goog/v/apple-card/m/images/overview/routers/apple_pay__c1cm2l09l742_large_2x.jpg?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB 2x" media="(min-width:0px)"> <img src="/v/apple-card/m/images/overview/routers/apple_pay__c1cm2l09l742_large.jpg" alt> </picture> </noscript> </div> <div class="router apple-cash" data-analytics-section-engagement="name:apple cash router"> <h2 class="router-eyebrow typography-router-overview-eyebrow">Apple Cash</h2> <p class="router-headline typography-router-overview-headline">Send it. <br> Spend it. Stash it.</p><a href="https://www-apple-com.translate.goog/apple-cash/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="learn more about apple cash" aria-label="Learn more, Apple Cash" class="icon-wrapper router-cta typography-router-overview-cta"><span class="icon-copy">Learn more</span><span class="icon icon-after more"></span></a> <picture id="overview-routers-apple-cash-1" class="overview-routers-apple-cash router-image" data-lazy data-download-area-keyframe="{"start":"300vh"}"> <source data-empty srcset="data:image/gif;base64?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB,https://www-apple-com.translate.goog/apple-card/R0lGODlhAQABAHAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" media="(min-width:0px)"> <img src="/v/apple-card/m/images/overview/routers/apple_cash__bsc88kfryigi_large.jpg" onload="__lp(event)" alt> </picture> <noscript><picture class="overview-routers-apple-cash router-image"> <source srcset="https://www-apple-com.translate.goog/v/apple-card/m/images/overview/routers/apple_cash__bsc88kfryigi_large.jpg?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB,https://www-apple-com.translate.goog/v/apple-card/m/images/overview/routers/apple_cash__bsc88kfryigi_large_2x.jpg?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB 2x" media="(min-width:0px)"> <img src="/v/apple-card/m/images/overview/routers/apple_cash__bsc88kfryigi_large.jpg" alt> </picture> </noscript> </div> </div> </div> </section> </main> <footer id="ac-globalfooter" class="no-js" lang="en-US" dir="ltr" data-analytics-region="global footer" role="contentinfo" aria-labelledby="ac-gf-label"> <div class="ac-gf-content"> <h2 class="ac-gf-label" id="ac-gf-label">Apple Footer</h2> <section class="ac-gf-sosumi" data-nosnippet aria-label="Footnotes"> <ul> <li id="footnote-1"><small>*</small> Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.</li> </ul> <ul> <li id="footnote-2"><small>◊</small> <p>Merchant offers may change at any time. Booking.com Travel Credits are fulfilled by Booking.com B.V. and are unaffiliated with Apple Card’s Daily Cash program. Apple Inc. and Goldman Sachs Bank USA are not responsible for fulfillment of Booking.com’s Travel Credits rewards program.</p><p><span class="merchant">Nike:</span> 3% Daily Cash is not available at Nike-branded stores outside the United States.</p><p><span class="merchant">Panera Bread</span> 3% Daily Cash is not available at Panera locations outside the U.S. and excludes orders made on third-party apps, plastic gift card purchases made online, and gift cards purchased through the Bulk Gift Card program.</p><p><span class="merchant">Walgreens:</span> 3% Daily Cash is not available at Sprint Express and independent health service providers, including Walgreens Optical and Walgreens Hearing, or for orders made on third‑party delivery apps.</p><p><span class="merchant">T-Mobile:</span> 3% Daily Cash is available for purchases using Apple Card with Apple Pay in T‑Mobile U.S. stores, and bill payments and AutoPay on <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.t-mobile.com" rel="nofollow" class="nowrap">t‑mobile.com</a> and in the T‑mobile app. Authorized T‑Mobile dealers are not eligible for 3% Daily Cash and can be found on <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.t-mobile.com/store-locator" rel="nofollow" class="nowrap">t‑mobile.com/store-locator</a>. Sprint account payments, and purchases made through any Sprint checkout, including those at T‑Mobile U.S. stores, are not eligible for 3% Daily Cash.</p><p><span class="merchant">Exxon Mobil:</span> 3% Daily Cash is available in the United States when using Apple Card with Apple Pay (where available) at Exxon- or Mobil-branded pumps and attached convenience stores. To pay at the pump with Apple Pay, use either Exxon Mobil Rewards+ mobile app or contactless payment. Excludes purchases at third-party merchants, including independent car washes, located within an Exxon- or Mobil-branded location or the attached convenience store.</p><p><span class="merchant">Ace Hardware:</span> 3% Daily Cash is available in the United States when using Apple Card with Apple Pay online, in the mobile app, and at participating stores listed at <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.acehardware.com/applecard" rel="nofollow" class="nowrap">acehardware.com/applecard</a>. Excludes online and mobile app gift card purchases and purchases from 3rd party merchants using independent point-of-sale systems within a participating Ace Hardware store. Please check with your local participating Ace Hardware store whether your purchases are eligible for 3% Daily Cash.</p><p><span class="merchant">Booking.com:</span> 3% Daily Cash is earned on eligible prepaid stays and car rentals booked through the exclusive Booking.com link provided <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.booking.com/apple-card" class="nowrap" rel="nofollow">here</a> and when using Apple Card with Apple Pay. Eligible stays include those paid for using the "Pay Now" rate at the time of booking and can be identified on the site with a badge labeled "Apple Card Benefits". Eligible car rentals include those paid for using either the "Pay Now" rate or "Pay Part Now, Pay Part Later" rate at the time of booking. Daily Cash is only earned on the prepaid portion of "Pay Part Now, Pay Part Later" rate. You must use the exclusive Booking.com link provided to access eligible stays and car rentals. Stays and car rentals booked through Booking.com's mobile app or through Booking.com's website, when not using the exclusive link provided, may not be eligible for 3% Daily Cash. Excluded from earning 3% Daily Cash are: (1) bookings paid for using "Pay at Property", "Pay Later" or "Partner Offer" Rates, (2) bookings in the categories of flights, flight + hotel (or any other combination of a package deal that includes flight, hotel and/or car rental), cruises, attractions, and airport taxis, (3) any amounts paid directly to third-party stay or car rental companies at time of arrival (e.g. deposits, local fees, taxes, or additional services added), (4) bookings made through (i) any corporate apps or websites that Booking.com provides to companies for employee corporate travel; or (ii) any B2B or partner-specific, co-branded or white label sites, (5) bookings made through Booking.com website and mobile app when accessed from a non-U.S. IP address. Booking.com is not responsible for fulfillment of Apple Card Daily Cash back.</p><p><span class="merchant">ChargePoint:</span> 3% Daily Cash is available when using Apple Card with Apple Pay to pay for electric vehicle charging at public ChargePoint charging stations through the ChargePoint app, at ChargePoint stations with contactless readers, in the ChargePoint Wallet Pass, and home charging purchases through ChargePoint.com. Not valid for purchases at private charging stations or for fleet services, for commercial hardware and software, for support services (i.e. Assure and AssurePro), or for hardware from third parties. Additional terms and restrictions may apply. See ChargePoint.com for more information.</p></li> </ul> <ol> <li id="footnote-3">Variable APRs for Apple Card range from 18.74% to 28.99% based on creditworthiness. Rates as of October 1, 2024. Existing customers can view their variable APR in the Wallet app or <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://card.apple.com">card.apple.com</a>.</li> <li id="footnote-4">Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score.</li> <li id="footnote-5">You can choose to direct Daily Cash to a Savings account or to an Apple Cash card. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit. Apple Card and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The Apple Cash card is issued by Green Dot Bank, Member FDIC. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information.</li> <li id="footnote-6">To access Savings, Apple Card Owners and Co‑Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and Co‑Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co‑Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash Card and Savings accounts. Owners and Co‑Owners may individually change where their Daily Cash is deposited at any time. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or US Minor Outlying Islands. To set up Savings, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.</li> <li id="footnote-7">Subject to credit approval.</li> <li id="footnote-8">Apple Card Family Co‑Owners will have full visibility into each other’s account activity, and Owners will have visibility into all Participant account activity.</li> <li id="footnote-9">Late or missed payments will result in additional interest accumulating toward your balance.</li> <li id="footnote-10">Interest charges shown on the example payment wheel are only provided for illustrative purposes and may not be an accurate reflection of the actual amount of interest charges on your account. Interest estimates provided in the payment wheel in your account 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.</li> <li id="footnote-11">Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Learn more about the <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://applecash.greendot.com/termsconditions/" rel="nofollow">Terms and Conditions</a>. Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can only send or receive up to $2000 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to $2000 within a rolling seven-day period. Other limits apply, see Terms and Conditions for details. To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.</li> <li id="footnote-12">Transfer limits may apply to Savings transfers to and from Apple Cash. Transfers may be subject to additional limitations; please see the <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.goldmansachs.com/terms-and-conditions/Deposits-Account-Agreement.pdf" rel="nofollow">Deposit Account Agreement</a> for more information.</li> <li id="footnote-13">Apple Card Family Participants and Co‑Owners do not need to have a familial relationship, but must be part of the same Apple Family Sharing group.</li> <li id="footnote-14">Credit limits can only be combined when an existing Apple Card customer requests to merge their account with another existing Apple Card customer. Merging existing accounts is subject to credit approval and general eligibility requirements.</li> <li id="footnote-15">Each Co‑Owner is individually liable for all balances on the co-owned Apple Card including amounts due on your Co‑Owner’s account before the accounts are merged. Each Co‑Owner will be reported to credit bureaus as an Owner on the account. In addition, Co‑Owners will have full visibility into all account activity and each Co‑Owner is responsible for the other Co‑Owner’s instructions or requests. Co‑ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co‑Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, see <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/en-us/HT209218">support.apple.com/en-us/HT209218</a>. Either Co‑Owner can close the account at any time which may negatively impact your credit and you will still be responsible for paying all balances on the account. For details on account sharing options including some of the risks and benefits, see <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/en-us/HT212020">support.apple.com/en-us/HT212020</a>.</li> <li id="footnote-16">Building credit “equally” means that the payment history and other information about your Apple Card will be reported to credit bureaus for each Co‑Owner. Each Co‑Owner is individually liable for all balances on the co-owned Apple Card and each will be reported to credit bureaus as an Owner on the account. Credit reporting includes payment history and other information about your Apple Card, including negative items like missed payments. Card usage and payment history may impact each Co‑Owner’s credit score differently because each individual’s credit history will include information that is unique to them. Either Co‑Owner can close the account at any time but you will still be responsible for paying all balances on the account. For details on account sharing options including some of the risks and benefits, see <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/en-us/HT212020">support.apple.com/en-us/HT212020</a>.</li> <li id="footnote-17">If you are a Participant, you are able to spend on the account, but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is over utilized can have negative effects on your credit. The account owner remains responsible for all purchases made by a Participant. For more details including some risks and benefits of being a Participant, see <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/en-us/HT212271">support.apple.com/en-us/HT212271</a>.</li> <li id="footnote-18">If you are a Participant, you are able to spend on the account, but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is over utilized can have negative effects on your credit. For details on credit reporting, see <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/en-us/HT212020">support.apple.com/en-us/HT212020</a>. For more details including some risks and benefits of being a Participant, see <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/en-us/HT212271">support.apple.com/en-us/HT212271</a>.</li> <li id="footnote-19">An Apple Cash card is required. Participants under 18 on Apple Card Family accounts must have the family organizer of their Apple Cash Family set up their own Apple Cash card. If you do not have an Apple Cash account, Daily Cash can be applied as a credit on account owner’s statement balance by contacting Goldman Sachs Bank USA. The Apple Cash card is issued by Green Dot Bank, Member FDIC.</li> <li id="footnote-20" data-toggle-footnote="acmi">Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible products purchased at Apple Store locations, <a href="https://www-apple-com.translate.goog/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB">apple.com</a>, the Apple Store app, or by calling 1‑800‑MY‑APPLE, and is subject to credit approval and credit limit. See <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/102730">support.apple.com/102730</a> for more information about eligible products. Existing customers: See your Customer Agreement for your variable APR. As of October 1, 2024, the variable APR on new Apple Card accounts ranges from 18.74% to 28.99%. You must elect to use ACMI at checkout. If you buy an ACMI‑eligible product with a one-time payment on Apple Card at checkout, that purchase is subject to your Apple Card’s variable APR, not the ACMI 0% APR. Taxes and shipping on items purchased using ACMI are subject to your Apple Card’s variable APR, not the ACMI 0% APR. In order to buy an iPhone with ACMI, you must select one of the following carriers: AT&T, Boost Mobile, T‑Mobile, or Verizon. An iPhone purchased with ACMI is always unlocked, so you can switch carriers at any time, subject to your carrier’s terms. ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government and Veterans and Military Purchase Programs; or on refurbished devices. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI is subject to change at any time for any reason, including but not limited to installment term lengths and eligible products. See the <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf" rel="nofollow">Apple Card Customer Agreement</a> for more information about ACMI.</li> <li id="footnote-21" data-toggle-footnote="acmi">Trade-in values will vary based on the condition, year, and configuration of your eligible trade-in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied toward qualifying new device purchase, or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when estimate was made. Sales tax may be assessed on full value of a new device purchase. In‑store trade‑in requires presentation of a valid photo ID (local law may require saving this information). Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse or limit quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.</li> <li id="footnote-22">Some transactions may not be displayed in Maps.</li> </ol> <ul> <li><p>To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.</p><p style="padding-top: 0.8em;">If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.</p></li> <li>Software is subject to change.</li> <li>Learn more about how Apple Card applications are evaluated at <a href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://support.apple.com/kb/HT209218">support.apple.com/kb/HT209218</a>.</li> <li>Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.</li> </ul> </section> <nav class="ac-gf-breadcrumbs" aria-label="Breadcrumbs" role="navigation"><a href="https://www-apple-com.translate.goog/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" class="home ac-gf-breadcrumbs-home"> <span class="ac-gf-breadcrumbs-home-icon" aria-hidden="true"></span> <span class="ac-gf-breadcrumbs-home-label">Apple</span> <span class="ac-gf-breadcrumbs-home-chevron"></span> <span class="ac-gf-breadcrumbs-home-mask"></span> </a> <div class="ac-gf-breadcrumbs-path"> <ol class="ac-gf-breadcrumbs-list" vocab="http://schema.org/" typeof="BreadcrumbList"> <li class="ac-gf-breadcrumbs-item" property="itemListElement" typeof="ListItem"><a class="ac-gf-breadcrumbs-link" href="https://www-apple-com.translate.goog/services/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" property="item" typeof="WebPage"><span property="name">Only on Apple</span></a> <meta property="position" content="1"></li> <li 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data-analytics-title="apple pay">Apple Pay</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/apple-cash/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="apple cash">Apple Cash</a></li> </ul> </div> </div> <div class="ac-gf-directory-column"> <div class="ac-gf-directory-column-section"> <h3 class="ac-gf-directory-column-section-title"><span class="ac-gf-directory-column-section-title-text">Account</span> <button class="ac-gf-directory-column-section-title-button" disabled> <span class="ac-gf-directory-column-section-title-text">Account</span> <span class="ac-gf-directory-column-section-title-icon" aria-hidden="true"></span> </button></h3> <ul id="footer-directory-column-section-accounts" class="ac-gf-directory-column-section-list" role="list"> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://account.apple.com/" data-analytics-title="apple account" data-analytics-exit-link>Manage Your Apple Account</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/us/shop/goto/account?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="apple store account">Apple Store Account</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://translate.google.com/website?sl=pl&tl=bg&hl=en-GB&u=https://www.icloud.com" data-analytics-title="icloud.com" data-analytics-exit-link>iCloud.com</a></li> </ul> </div> <div class="ac-gf-directory-column-section"> <h3 class="ac-gf-directory-column-section-title"><span class="ac-gf-directory-column-section-title-text">Entertainment</span> <button 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Store</span> <button class="ac-gf-directory-column-section-title-button" disabled> <span class="ac-gf-directory-column-section-title-text">Apple Store</span> <span class="ac-gf-directory-column-section-title-icon" aria-hidden="true"></span> </button></h3> <ul id="footer-directory-column-section-storeservices" class="ac-gf-directory-column-section-list" role="list"> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/retail/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="find a store">Find a Store</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/retail/geniusbar/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="genius bar">Genius Bar</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a 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app" data-analytics-exit-link>Apple Store App</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/us/shop/goto/special_deals?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="certified refurbished">Certified Refurbished</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/us/shop/goto/trade_in?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="apple trade in">Apple Trade In</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/us/shop/goto/payment_plan?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="financing">Financing</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a 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class="ac-gf-directory-column-section-title-text">For Business</span> <button class="ac-gf-directory-column-section-title-button" disabled> <span class="ac-gf-directory-column-section-title-text">For Business</span> <span class="ac-gf-directory-column-section-title-icon" aria-hidden="true"></span> </button></h3> <ul id="footer-directory-column-section-business" class="ac-gf-directory-column-section-list" role="list"> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/business/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="apple and business">Apple and Business</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/retail/business/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="shop for business">Shop for Business</a></li> </ul> </div> <div class="ac-gf-directory-column-section"> <h3 class="ac-gf-directory-column-section-title"><span class="ac-gf-directory-column-section-title-text">For Education</span> <button class="ac-gf-directory-column-section-title-button" disabled> <span class="ac-gf-directory-column-section-title-text">For Education</span> <span class="ac-gf-directory-column-section-title-icon" aria-hidden="true"></span> </button></h3> <ul id="footer-directory-column-section-education" class="ac-gf-directory-column-section-list" role="list"> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/education/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="apple and education">Apple and Education</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/education/k12/how-to-buy/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="shop for k12">Shop for K-12</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/us/shop/goto/educationrouting?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="shop for college">Shop for College</a></li> </ul> </div> <div class="ac-gf-directory-column-section"> <h3 class="ac-gf-directory-column-section-title"><span class="ac-gf-directory-column-section-title-text">For Healthcare</span> <button class="ac-gf-directory-column-section-title-button" disabled> <span class="ac-gf-directory-column-section-title-text">For Healthcare</span> <span class="ac-gf-directory-column-section-title-icon" aria-hidden="true"></span> </button></h3> <ul id="footer-directory-column-section-healthcare" class="ac-gf-directory-column-section-list" role="list"> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/healthcare/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="apple in healthcare">Apple in Healthcare</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/healthcare/mac/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="mac in healthcare">Mac in Healthcare</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" href="https://www-apple-com.translate.goog/healthcare/apple-watch/?_x_tr_sl=pl&_x_tr_tl=bg&_x_tr_hl=en-GB" data-analytics-title="health on apple watch">Health on Apple Watch</a></li> <li class="ac-gf-directory-column-section-item" role="listitem"><a class="ac-gf-directory-column-section-link" 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