Current welcome bonus & value
As of June 2026, the Apple Card offers a combined welcome bonus estimated at $325 in Daily Cash. This bonus is structured as follows:
- $250 Bonus Daily Cash: Purchase AirPods 3 by June 15. Then, starting from July 1, make 10 purchases each month to earn $25 in Bonus Daily Cash. This continues for 10 months, totaling $250.
- $75 Bonus Daily Cash: Earn $75 after making one purchase in the first 30 days of account opening.
Minimum spend to earn it
To fully maximize the welcome offer, you'll need to meet specific spending and activity requirements:
- For the $250 bonus: A purchase of AirPods 3 by June 15 is required, followed by making 10 purchases each month for 10 consecutive months.
- For the $75 bonus: A single purchase of any amount must be made within the first 30 days of account opening. The spend window for the $75 bonus is 30 days, while the $250 bonus requires sustained activity over 300 days (10 months).
Who's eligible
The Apple Card is a personal credit card issued by Goldman Sachs. While specific application rules like Chase 5/24 or once-per-lifetime restrictions are not provided, applicants generally need to demonstrate good creditworthiness to be approved. There is no annual fee and no foreign transaction fees, making it accessible for many.
Is it worth it?
The Apple Card can be a worthwhile option for those who align with its specific bonus structure and benefits.
Pros:
- No Annual Fee: Enjoy the card's benefits without an annual cost.
- No Foreign Transaction Fees: Ideal for international travel or online purchases from foreign merchants.
- Cash Back Rewards: Earn Daily Cash, which is straightforward and easy to redeem.
- Significant Welcome Bonus: A potential $325 in Daily Cash is a strong incentive, especially for a no-annual-fee card.
Cons:
- Specific Bonus Requirements: The larger $250 bonus requires a specific product purchase (AirPods 3) and sustained monthly activity, which might not suit everyone.
- No Explicit Multipliers: Specific earn multipliers for everyday spending categories are not provided, so general cash back rates may apply.
- Issuer-Specific Ecosystem: While not a direct con, the card is deeply integrated with the Apple ecosystem, which may be less appealing for non-Apple users.
How to apply
Applying for the Apple Card is typically done through the Wallet app on an iPhone or iPad. The application process is generally quick, and you may receive an instant decision. Ensure you meet the general creditworthiness requirements before applying.
Alternatives
If the Apple Card's specific bonus structure doesn't align with your spending habits, or if you're looking for different reward categories or issuers, consider these related cash back cards: