Learn how to get 3% Daily Cash back when you use Apple Card with Apple Pay

Make sure that you've set up Apple Card as your default payment card to use with Apple Pay in the Wallet app.

Merchant offers may change at any time.

Booking.com Travel Credits are fulfilled by Booking.com B.V. and are unaffiliated with Apple Card’s Daily Cash program. Apple Inc. and Goldman Sachs Bank USA are not responsible for fulfillment of Booking.com’s Travel Credits rewards program.

1. You can choose to direct Daily Cash to a Savings account or to an Apple Cash card. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit. Apple Card and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The Apple Cash card is issued by Green Dot Bank, Member FDIC. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information.


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. Apple Card Owners and Co-Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co-Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash Card and Savings accounts. Owners and Co-Owners may individually change where their Daily cash is deposited at any time. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or U.S. Minor Outlying Islands.

3. 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. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can only send or receive up to $2000 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to $2000 within a rolling seven-day period. Other limits apply, see Terms and Conditions for details. To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.

4. 3% Daily Cash back using Apple Card with Apple Pay is not offered for purchases made with a titanium Apple Card or using your virtual card number.

5. Ace Hardware: 3% Daily Cash is available in the U.S. when using Apple Card with Apple Pay online, in the mobile app, and at participating stores listed at acehardware.com/applecard. Excludes online and mobile app gift card purchases and purchases from third-party merchants using independent point-of-sale systems within a participating Ace Hardware store. Please check with your local participating Ace Hardware store whether your purchases are eligible for 3% Daily Cash.

6. Booking.com: 3% Daily Cash is earned on eligible prepaid stays and car rentals booked through the exclusive Booking.com link provided here and when using Apple Card with Apple Pay. Eligible stays include those paid for using the “Pay Now” rate at the time of booking and can be identified on the site with a badge labeled “Apple Card Benefits”. Eligible car rentals include those paid for using either the “Pay Now” rate or “Pay Part Now, Pay Part Later” rate at the time of booking. Daily Cash is only earned on the prepaid portion of “Pay Part Now, Pay Part Later” rate. You must use the exclusive Booking.com link provided to access Eligible stays and car rentals. Stays and car rentals booked through Booking.com’s mobile app or through Booking.com’s website, when not using the exclusive link provided, may not be eligible for 3% Daily Cash. Excluded from earning 3% Daily Cash are: (1) bookings paid for using “Pay at Property”, “Pay Later” or “Partner Offer” Rates, (2) bookings in the categories of flights, flight + hotel (or any other combination of a package deal that includes flight, hotel and/or car rental), cruises, attractions, and airport taxis, (3) any amounts paid directly to third-party stay or car rental companies at time of arrival (e.g. deposits, local fees, taxes, or additional services added), (4) bookings made through (i) any corporate apps or websites that Booking.com provides to companies for employee corporate travel; or (ii) any B2B or partner-specific, co-branded or white label sites, (5) bookings made through Booking.com’s website and mobile app when accessed from a non-U.S. IP address. Booking.com is not responsible for fulfillment of Apple Card Daily Cash back.

7. ChargePoint: 3% Daily Cash is available when using Apple Card with Apple Pay to pay for electric vehicle charging at public ChargePoint charging stations through the ChargePoint app, at ChargePoint stations with contactless readers, in the ChargePoint Wallet Pass, and home charging purchases through ChargePoint.com. Not valid for purchases at private charging stations or for fleet services, for commercial hardware and software, for support services (i.e. Assure and AssurePro), or for hardware from third parties. Additional terms and restrictions may apply. See ChargePoint.com for more information.

8. Duane Reade and Walgreens: 3% Daily Cash is not available at Sprint Express and independent health service providers, including Walgreens Optical and Walgreens Hearing, or for orders made on third‑party delivery apps.

9. Exxon and Mobil stations: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay (where available) at Exxon- or Mobil-branded pumps and attached convenience stores. To pay at the pump with Apple Pay, use either the Exxon Mobil Rewards+ mobile app or contactless payment. Excludes purchases at third-party merchants, including independent car washes, located within an Exxon- or Mobil-branded location or the attached convenience store.

10. Nike: 3% Daily Cash is not available at Nike-branded stores outside of the United States.

11. Panera Bread: 3% Daily Cash is not available at Panera locations outside of the U.S. and excludes orders made on third-party apps, plastic gift card purchases made online, and gift cards purchased through the Bulk Gift Card program.

12. T-Mobile: 3% Daily Cash is available for purchases using Apple Card with Apple Pay in T‑Mobile U.S. stores and for bill payments and AutoPay on t‑mobile.com and in the T‑Mobile app. Authorized T‑Mobile dealers are not eligible for 3% Daily Cash and can be found on t-mobile.com/stores/locator. Sprint account payments and purchases made through any Sprint checkout, including those at T‑Mobile U.S. stores, are not eligible for 3% Daily Cash.

13. Additional Booking.com Benefits: As part of Booking.com’s Rewards and Wallet program, Apple Card customers earn 2% in Booking.com Travel Credits on eligible bookings as described here, or when you use Apple Card on qualifying “Pay Now” stays and car rentals, and “Pay Part Now, Part Later” car rentals after using the exclusive Booking.com link provided to book eligible stays and car rentals using Apple Card. Travel Credits are only earned at the completion of an eligible stay or car rental, are only for use on future bookings on Booking.com, and subject to all terms and conditions found here. Booking.com Travel Credits are fulfilled by Booking.com B.V. and are unaffiliated with Apple Card’s Daily Cash program. Apple Inc. and Goldman Sachs Bank USA are not responsible for fulfillment of Booking.com’s Travel Credits rewards program.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, is available only for qualifying applicants in the United States, and is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.