The Apple Card Mastercard combines simplicity, transparency, and smart rewards for everyday users.
You earn Daily Cash Back instantly on every purchase, making it easy to save for your next trip.
Designed for iPhone users, it offers a secure, convenient way to manage your spending in the Apple Wallet app.
Key Features and Benefits
The Apple Card Mastercard offers features that make spending, saving, and managing money easier.
It’s designed for convenience, transparency, and rewards that fit your lifestyle. Here are the main benefits you get:
- Daily Cash Back: Earn up to 3% Daily Cash on Apple purchases, 2% with Apple Pay, and 1% on physical card transactions.
- No Fees: No annual, late, foreign transaction, or over-limit fees.
- Instant Rewards: Cash back is added to your account every day, not monthly.
- Wallet App Integration: Track spending, view categories, and manage payments directly from your iPhone.
- Advanced Security: Face ID, Touch ID, and device-level encryption for safe transactions.
- Transparent Spending: Real-time notifications and clear transaction summaries.
- Privacy Protection: Apple doesn’t track or sell your transaction data.
Daily Cash Back Explained
The Apple Card Mastercard gives you real cash rewards every day, not points.
You can use this Daily Cash to save, spend, or apply it toward your next trip. Here’s how it works:
- 3% Daily Cash: Earn on purchases made directly with Apple and selected partners like Uber, Nike, and Walgreens.
- 2% Daily Cash: Earn on all purchases made using Apple Pay.
- 1% Daily Cash: Earn when you use the physical Apple Card for transactions.
- Instant Availability: Cash is added to your Apple Cash balance daily after each purchase posts.
- Flexible Use: You can spend it with Apple Pay, transfer it to your bank, or apply it toward your Apple Card balance.
- No Expiration: Your Daily Cash never expires as long as your account remains active.
Travel Perks and Rewards Usage
The Apple Card Mastercard can help you make the most of your trips through easy rewards and global convenience.
You can use your Daily Cash to lower travel expenses and enjoy smoother transactions abroad. Here’s how:
- Use Daily Cash for Travel Costs: Apply earned cash toward flights, hotels, or car rentals.
- Apple Pay Abroad: Make secure payments in supported countries using Apple Pay with no foreign transaction fees.
- Partner Discounts: Earn 3% Daily Cash when booking with select travel partners like Uber and Apple services.
- Instant Access to Funds: Daily Cash is available immediately so that you can spend it during your trip.
- Track Expenses: The Wallet app helps you monitor travel spending in real time.
- Global Acceptance: Use the Mastercard network anywhere it’s accepted worldwide.
Mobile Wallet Integration and Security
This card works through the Wallet app for easy access and strong protection. It gives you full control of spending and keeps your data secure.
- Wallet Access: Manage payments and rewards directly from your iPhone.
- Instant Alerts: Get notifications for every purchase.
- Biometric Security: Use Face ID or Touch ID for verification.
- Encryption: Protects your data at the device level.
- Virtual Card Numbers: Use dynamic numbers for online safety.
- Privacy Focused: Apple doesn’t share or sell your financial data.
Application Process
Applying for the Apple Card Mastercard is quick and entirely digital. You can apply directly from your iPhone or through the Apple website.
Follow these simple steps:
- Check Eligibility: You must be 18 or older, a U.S. resident, and have an active Apple ID with two-factor authentication.
- Open the Wallet App: On your iPhone, open the Apple Wallet app, tap the “+” icon, and select Apple Card to begin your application.
- Enter Personal Details: Provide your name, date of birth, address, and income information.
- Review Terms: Read the card’s rates, fees, and terms provided by Goldman Sachs.
- Submit for Review: Apple performs a quick credit check to determine approval.
- Add to Wallet: Once approved, your card appears instantly in the Wallet app for immediate use.
- Receive Physical Card: You can request a titanium card by mail if you prefer a physical version.
Credit Management and Spending Tools
The card helps you stay on top of your finances with simple tracking and payment options.
You can manage everything directly from your iPhone. Here’s what you can do:
- Real-Time Spending Overview: View your daily, weekly, and monthly expenses instantly in the Wallet app.
- Color-Coded Categories: Purchases are grouped by color to show where your money goes.
- Payment Flexibility: Choose to pay your balance in full or make partial payments over time.
- Interest Transparency: See how much interest you’ll pay before confirming a payment.
- Spending Trends: Get charts that show your spending habits to help you control your budget.
- Budget Planning: Use payment reminders and insights to avoid missed payments.
Rates, Fees, and Terms
The card keeps its costs transparent and straightforward. You won’t deal with hidden fees or complex reward structures. Here are the main details:
- Annual Fee: None.
- Late Fees: None — you’ll only owe interest if you miss a payment.
- Foreign Transaction Fees: None, making it ideal for international use.
- Purchase APR: Variable, typically between 19.24% and 29.49%, depending on creditworthiness.
- Penalty APR: Not applied; Apple focuses on clear payment terms.
- Interest Calculation: Based on your daily balance and displayed in the Wallet app.
- Grace Period: At least 28 days after the close of each billing cycle.
Comparison With Other Travel and Cashback Cards
The Apple Card Mastercard competes with significant travel and cashback cards. Here’s how it compares in key areas:
- Rewards Rate: Up to 3% Daily Cash on Apple and select partners.
- Flexibility: 3% only applies to Apple Pay and specific merchants.
- Fees: No annual, late, or foreign transaction fees.
- Travel Benefits: Fewer perks than premium cards like Chase Sapphire.
- Redemption: Daily Cash adds instantly; others use points or miles.
- Best For: iPhone users wanting simplicity over complex travel rewards.
Tips to Maximize Rewards
You can increase your Daily Cash earnings by making smart spending choices.
Here are simple ways to get more value from your Apple Card Mastercard:
- Use Apple Pay Often: Earn 2% Daily Cash on all Apple Pay transactions instead of 1% with the physical card.
- Shop with 3% Partners: Buy from brands like Apple, Uber, Walgreens, and Nike to get the top cashback rate.
- Pay in Full Monthly: Avoid interest charges that reduce the value of your rewards.
- Track Spending: Use the Wallet app to monitor your categories and adjust your habits.
- Redeem Smartly: Apply Daily Cash toward travel expenses or to pay your Apple Card balance.
Customer Support and Contact Information
Getting help with your card is simple and convenient.
You can reach support directly on your iPhone or contact Goldman Sachs, the issuing bank. Here are the verified options:
- Phone Support: Call 1-877-255-5923 for assistance.
- Mailing Address: Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.
- In-App Chat: Use the Wallet app to send a message to an Apple Card specialist.
Final Takeaway
The Apple Card Mastercard gives you a transparent and straightforward way to earn Daily Cash rewards for every purchase.
Its seamless Wallet app integration makes managing your spending and rewards easy wherever you go.
If you’re ready to earn cashback for your next trip, apply directly through the Wallet app today.
Disclaimer
Information in this article is for general guidance and may change without prior notice.
Always verify current Apple Card rates, fees, and terms directly with Apple or Goldman Sachs before applying.
