UPDATE January 7, 2026

• Text of this article

1. 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.
2. 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. Savings is available to Apple Card Owners and Co-Owners, subject to eligibility requirements. For additional information about Daily Cash, including elections on accounts it can be sent to, please see the Apple Card Customer Agreement.
3. Variable APRs for Apple Card range from 17.49 percent to 27.74 percent based on creditworthiness. Rates as of January 1, 2026. Existing customers can view their variable APR in the Wallet app or card.apple.com.
   
4. An Apple Cash account is required. 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 Terms and Conditions. Only available in the U.S. on eligible devices.
5. Apple Card Monthly Installments (ACMI) is a 0 percent APR payment option that is only available if users select it at checkout in the U.S. for eligible products purchased at Apple and is subject to credit approval and credit limit. See support.apple.com/en-us/102730 for more information about eligible products. Additional limits and restrictions apply. See the Apple Card Customer Agreement for more information about ACMI.
   

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.

Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.