Is the Apple Card subject to Chase's 5/24 rule?

No, the Apple Card is issued by Apple (in partnership with Goldman Sachs), not Chase. Therefore, it is not subject to Chase's 5/24 rule.

Can I get the Apple Card bonus twice?

No, the welcome bonus for the Apple Card is explicitly for 'new cardmembers only' and is limited to one offer per account. You cannot earn this specific bonus again if you've received it before.

Does the Apple Card have an annual fee?

No, the Apple Card has a $0 annual fee, making it a cost-effective option to hold long-term.

Does the Apple Card charge foreign transaction fees?

No, the Apple Card does not charge foreign transaction fees, making it a good option for international travel or purchases made from foreign merchants.

Apple Card: $75 Bonus & 0 Annual Fee (as of June 2026)

Q: What credit score do I need for the Apple Card?

While a specific credit score floor is not provided, applicants generally need a good to excellent credit score for approval for the Apple Card.

Q: How do I earn the $75 Apple Card bonus?

To earn the $75 bonus, you must spend $75 or more at any Nike store, Nike.com, NikeAdventureClub.com, or Nike mobile apps in the U.S. using Apple Card with Apple Pay within 30 days of opening your account.

The Apple Card currently offers a $75 welcome bonus when you spend $75 or more at Nike using Apple Pay within 30 days of account opening. This offer, as of June 2026, provides a straightforward return for new cardmembers. With a $0 annual fee and no foreign transaction fees, the Apple Card can be a valuable addition for those seeking a simple cashback card, especially if you frequently use Apple Pay and shop at Nike. Eligibility is generally restricted to new cardmembers, and a good credit score is typically required for approval. This card is ideal for those looking for an easy-to-earn bonus without ongoing costs.

Current Welcome Bonus & Value

As of June 2026, the Apple Card offers a $75 cash back welcome bonus. This bonus is earned as Daily Cash, which is transferred to your Apple Cash card or can be applied as a statement credit.

This bonus has an estimated value of $75 USD, providing a direct return on your initial spending.

Minimum Spend to Earn It

To earn the $75 welcome bonus, you must spend $75 or more at any Nike store, Nike.com, NikeAdventureClub.com, or Nike mobile apps in the U.S. using Apple Card with Apple Pay. This minimum spend must be completed within 30 days of opening your Apple Card account.

It's crucial to note that purchases made during the promotional period but shipped afterwards may not be eligible. Returns of qualifying items could also impact your cash back.

Who's Eligible

This welcome bonus is available for new Apple Card cardmembers only. The offer is limited to one per account. While specific credit score floors are not provided, applicants generally need a good to excellent credit score for approval. The Apple Card does not have specific issuer application rules like Chase's 5/24 rule or once-per-lifetime restrictions beyond the new cardmember requirement for the bonus.

Is It Worth It?

Evaluating the Apple Card for its welcome bonus involves weighing its benefits against its specific requirements.

Pros:

Easy-to-earn bonus: A $75 bonus for a $75 spend is a 100% return, making it highly efficient for churners.
No annual fee: This card costs nothing to hold, making it easy to keep long-term without financial burden.
No foreign transaction fees: Ideal for international travel or online purchases from foreign merchants.
Daily Cash rewards: Cash back is earned daily, providing quick access to your rewards.

Cons:

Niche spend requirement: The bonus requires spending specifically at Nike using Apple Pay, which might not align with everyone's spending habits.
Limited bonus amount: While a high percentage return, the absolute dollar amount of the bonus is relatively modest compared to some other cards.
New cardmember only: You can only earn this specific bonus once.

Overall, the Apple Card's welcome bonus is worth considering for those who can easily meet the Nike spend requirement and appreciate a straightforward, no-fee cashback card.

How to Apply

To apply for the Apple Card, you typically do so through the Wallet app on your iPhone. The application process is usually quick, and you may receive an instant decision. Ensure you meet the new cardmember eligibility criteria and are prepared to meet the minimum spend requirement at Nike.

Alternatives

If the Apple Card's specific bonus or features don't align with your goals, consider these related cards for different reward structures or benefits:

These cards offer varying benefits, from broader cashback categories to travel rewards, which might better suit your spending and earning preferences.

Offer details are accurate as of June 2026 and are subject to change.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Apple Card — $75 bonus