The Apple Card offers a unique cash back program called Daily Cash. You can earn up to 3% cash back on every purchase, with no limits or categories to track. This reward system sets it apart from many other credit cards.
When you use your Apple Card, you get instant cash back. The money appears in your Apple Cash account each day. You can use it right away for purchases, send it to friends, or save it for later.
The cash back rates vary based on how you pay. You earn 3% on Apple products and services, as well as at select partners when using Apple Pay. For all other Apple Pay transactions, you get 2% back. When you use the physical card, you earn 1% cash back.
| Purchase Type | Cash Back Rate |
|---|---|
| Apple products/services | 3% |
| Select partners with Apple Pay | 3% |
| All other Apple Pay purchases | 2% |
| Physical card purchases | 1% |
Apple Card’s Daily Cash is a cash back rewards program designed to be simple and easy to use. Instead of waiting for a monthly statement, you receive your cash back every day on all eligible purchases. Here’s a comprehensive guide to understanding and maximizing your Apple Card Daily Cash.
How Daily Cash Works
Daily Cash is the cash back you earn on every purchase you make with your Apple Card. It’s real cash that is added to your account each day and never expires. There is no limit to how much Daily Cash you can earn.
The percentage you earn depends on how and where you make your purchase:
- 3% Daily Cash:
- All purchases from Apple: This includes Apple retail stores, the Apple App Store, Apple Music, Apple TV+, and all other Apple services.
- Select Merchants: You can get 3% back when you use Apple Card with Apple Pay at certain partners. These merchants can change over time, so it’s a good idea to check the Wallet app for the current list. As of late 2025, partners include:
- Ace Hardware
- Booking.com (on eligible stays and rentals booked through an exclusive link)
- ChargePoint (on eligible EV charging and home chargers)
- Exxon and Mobil gas stations
- Nike
- Walgreens and Duane Reade
- Uber and Uber Eats
- 2% Daily Cash:
- All other purchases made with Apple Pay: This includes any purchase you make using your iPhone, Apple Watch, or other Apple device with Apple Pay.
- 1% Daily Cash:
- All purchases made with the physical titanium Apple Card: This applies when you can’t use Apple Pay, such as in stores that don’t accept contactless payments or online where Apple Pay isn’t an option.
How to Use and Redeem Your Daily Cash
Daily Cash is added to your Apple Cash account in the Wallet app on your iPhone. Once there, you can use it in a few ways:
- Spend it: You can use your Daily Cash to make purchases anywhere Apple Pay is accepted.
- Send to family and friends: You can use the Apple Cash in your account to send money to other Apple Cash users via the Messages app.
- Pay your Apple Card balance: You can use your Daily Cash balance to make a payment towards your Apple Card.
- Transfer to a bank account: You can transfer your Daily Cash from your Apple Cash account to a linked bank account.
- Automatically deposit into a Savings account: You can open a high-yield Savings account through Apple and have your Daily Cash automatically deposited there to earn interest. This is the recommended option for building your savings with your rewards.
To choose where to send your Daily Cash:
- Open the Wallet app on your iPhone.
- Tap on your Apple Card.
- Tap the three dots (•••) icon in the top right.
- Go to Rewards & Offers.
- Under “Daily Cash Election,” select either Savings or Apple Cash.
You can only have one option selected at a time. If you have any Daily Cash accumulated, it will be automatically sent to the selected account.
How to View Your Daily Cash Earnings
To see a summary of your cash back earnings, open the Wallet app, tap on your Apple Card, and look at the “Daily Cash” section. From here, you can see your total earnings for the week, month, or year. You can also view the Daily Cash earned for a specific transaction by tapping on it in your transaction history.
Understanding Apple Card Rewards
The Apple Card offers a unique rewards program called Daily Cash. You earn cash back on every purchase which is credited to your account daily.
Earning Daily Cash Back
You earn Daily Cash back on all Apple Card purchases. The percentage varies based on the transaction type:
- 3% on Apple purchases (including App Store and iTunes)
- 2% on all Apple Pay transactions
- 1% on physical card purchases
Daily Cash is automatically added to your Apple Cash card in the Wallet app. There’s no limit to how much you can earn. The rewards don’t expire as long as your account remains open.
Categories Eligible for Higher Cash Back
Apple offers 3% Daily Cash on select merchant purchases beyond just Apple products:
- Uber and Uber Eats
- Walgreens and Duane Reade
- T-Mobile
- Nike (in-store and online)
- Exxon and Mobil gas stations
This list may expand over time. To maximize rewards, use Apple Pay whenever possible at these merchants.
| Merchant | Cash Back % | Requirements |
|---|---|---|
| Apple | 3% | Any purchase |
| Nike | 3% | Apple Pay |
| Walgreens | 3% | Apple Pay |
| Other | 2% | Apple Pay |
Redeeming Cash Back With Apple Cash
Your Daily Cash accumulates in your Apple Cash account. You can use it in several ways:
- Send to friends or family via Messages
- Make purchases with Apple Pay
- Transfer to your bank account
- Apply to your Apple Card balance
There’s no minimum redemption amount. You can use your cash back as soon as it’s available in your Apple Cash account.
To transfer funds, open the Wallet app and select your Apple Cash card. Choose “Transfer to Bank” and follow the prompts. Transfers typically take 1-3 business days.
Benefits and Features of Apple Card
The Apple Card offers several advantages for users. It combines cashback rewards with robust security features and family sharing options. The card also integrates seamlessly with Apple Pay for convenient digital transactions.
No Fees and Interest Rates
Apple Card stands out with its no-fee policy. You won’t pay annual fees, foreign transaction fees, or late payment fees. This can save you money compared to traditional credit cards.
The card’s interest rates are competitive. Apple provides clear information about rates upfront. You can see potential interest charges before making payments.
Apple Card uses a unique color-coded system. It shows how different payment amounts affect interest. This helps you make informed decisions about your balance.
Goldman Sachs, the issuing bank, offers options if you face financial difficulties. They may allow you to skip payments without fees or interest in some cases.
Apple Card with Apple Pay
Apple Card works seamlessly with Apple Pay. You get 2% cashback on all purchases made using Apple Pay. This encourages digital transactions and increases your rewards.
The integration with your iPhone makes tracking expenses easy. You can view your spending habits in real-time through the Wallet app.
Apple Card also offers 3% cashback at select merchants when using Apple Pay. These include Apple stores, Nike, and Walgreens.
For physical purchases, you receive a titanium card. It earns 1% cashback on all transactions where Apple Pay isn’t accepted.
Security and Privacy
Apple prioritizes security and privacy with the Apple Card. The physical card doesn’t display your card number, CVV, or signature. This reduces the risk of theft.
For online purchases, the Wallet app generates virtual card numbers. This adds an extra layer of security to your transactions.
Apple doesn’t track your spending data for marketing purposes. Goldman Sachs, as the issuing bank, has limited access to your transaction history.
The card uses advanced fraud protection. It alerts you to any suspicious activity on your account.
Apple Card Family Sharing
Apple Card Family allows you to share your account. You can add up to five people to your Apple Card account. This includes children over 13 years old.
Co-owners share equal responsibility for the account. They build credit together and can manage spending for the family.
Participants aged 18 or older can opt to build their credit history. This feature helps young adults establish good financial habits.
Parents can set spending limits for their children. This teaches financial responsibility in a controlled environment.
| Feature | Benefit |
|---|---|
| No Fees | Save money on annual, foreign transaction, and late fees |
| Cashback | Earn up to 3% on Apple Pay purchases |
| Family Sharing | Add up to 5 people to your account |
| Security | Virtual card numbers for online purchases |
Integrations and Management
The Apple Card seamlessly integrates with your iPhone and offers tools to manage your finances. It also provides flexible payment options for Apple products.
Wallet App Integration
The Apple Card lives in your iPhone’s Wallet app. This digital integration allows you to access card details instantly. You can view transactions, check balances, and pay bills directly from your device.
The Wallet app color-codes your spending categories. This feature helps you track expenses at a glance. You’ll see weekly and monthly summaries of your spending habits.
Apple Card’s digital-first approach means no physical card is required for most purchases. You can use Apple Pay at millions of locations worldwide. A titanium physical card is available for places that don’t accept Apple Pay.
Financial Management Tools
Apple Card offers tools to help you maintain healthy finances. The Wallet app displays your total balance, available credit, and payment due date prominently.
You can set up payment reminders to avoid late fees. The app suggests payment amounts to help you minimize interest charges. It also shows you how much interest you’ll pay based on different payment amounts.
Apple Card recently introduced a high-yield Savings Account feature. You can automatically deposit your Daily Cash rewards into this account. It’s an easy way to grow your savings without extra effort.
| Feature | Benefit |
|---|---|
| Spending summaries | Track expenses easily |
| Payment suggestions | Minimize interest charges |
| Savings Account | Grow Daily Cash rewards |
Apple Card Monthly Installments
Apple Card offers interest-free monthly installments on Apple products. This program lets you spread the cost of your purchase over time without extra fees.
You can finance iPhones, iPads, Macs, and other Apple devices. The installment plan appears in your Wallet app alongside your regular Apple Card balance. You’ll see how much you owe and when payments are due.
This feature makes expensive Apple products more accessible. It’s a good option if you want to upgrade your devices without paying the full price upfront.
Special Offers and Partnerships
Apple Card regularly teams up with popular brands to offer enhanced cash back rewards. These partnerships aim to provide extra value for cardholders.
Up to 5% Daily Cash is available on all purchases for select users from November 6, 2024, to April 30, 2025. This limited-time promotion significantly boosts the standard rewards structure.
You can enjoy ongoing benefits with several partner companies:
- 3% Daily Cash at Uber and Uber Eats
- 3% Daily Cash at T-Mobile stores
- 3% Daily Cash at Exxon and Mobil gas stations
- 3% Daily Cash at Walgreens and Duane Reade
- 3% Daily Cash at Ace Hardware
Here’s a quick comparison of cash back rates:
| Partner | Cash Back Rate |
|---|---|
| Apple | 3% |
| Partners | 3% |
| Apple Pay | 2% |
| Other | 1% |
Apple Music subscribers can link their subscription to Apple Card for seamless billing and 3% Daily Cash back. This integration streamlines your digital services and maximizes rewards.
Goldman Sachs Bank, the issuer of Apple Card, manages these partnerships. They work to expand the list of participating stores, potentially adding more options for increased cash back in the future.
Your Daily Cash accrues automatically and can be used immediately. You don’t need to wait for a statement cycle or manually redeem rewards.
Frequently Asked Questions
Apple Card offers various cash back options and benefits for users. Understanding these features can help maximize rewards and improve your overall credit card experience.
How can I maximize my cash back rewards with the Apple Card?
To maximize cash back, use your Apple Card with Apple Pay whenever possible. This earns you 2% Daily Cash back on most purchases. For even higher rewards, shop at Apple and select partners to earn 3% back.
Consider setting Apple Card as your default payment method in Apple Pay. This ensures you always get the highest possible cash back rate when using contactless payments.
What percentage of cash back does the Apple Card offer on purchases?
Apple Card offers tiered cash back rates:
- 3% on Apple purchases and select partners
- 2% on all Apple Pay transactions
- 1% on physical card purchases
These rates apply to all spending, with no limits or category restrictions.
Are there specific merchants where I can earn more cash back with my Apple Card?
Yes, you can earn 3% Daily Cash back at select merchants when using Apple Card with Apple Pay. These include:
- Apple (including App Store and subscriptions)
- Ace Hardware
- Exxon and Mobil gas stations
- Nike
- Panera Bread
- T-Mobile
- Uber and Uber Eats
- Walgreens
This list may change, so check the Apple Card website for the most current partners.
How does the Apple Pay cash back at the register work?
When you use Apple Card with Apple Pay at a register:
- Choose Apple Card as your payment method in Apple Wallet.
- Hold your iPhone or Apple Watch near the contactless reader.
- Authenticate the payment with Face ID, Touch ID, or your passcode.
The 2% Daily Cash is automatically credited to your Apple Cash card, usually within minutes of the transaction.
How does the cash back on the Apple Card compare to other cash back credit cards?
Apple Card’s cash back structure is competitive but not always the highest:
| Category | Apple Card | Typical Cash Back Card |
|---|---|---|
| General purchases | 2% (with Apple Pay) | 1-2% |
| Category bonuses | 3% (select partners) | 3-5% (rotating or fixed) |
| Apple purchases | 3% | 1-2% |
Apple Card stands out with its daily cash back and no annual fee. Other cards may offer higher rates in specific categories or welcome bonuses.
What are the benefits of using an Apple Card for daily transactions?
Using Apple Card for daily transactions offers several advantages:
- Instant cash back credited daily
- No fees (including foreign transaction fees)
- Easy tracking of spending in the Wallet app
- Enhanced privacy and security features
You also get detailed transaction information and can easily contact support through Messages.
