Apple Card Is Offering a $100 Welcome Bonus — Here's How to Get It

Apple Card has never really been a signup bonus card. For years, the pitch was simplicity: no fees, straightforward cash back, and tight iPhone integration. That's why this $100 welcome offer stands out — it's a publicly available bonus with its own landing page, not a targeted email you had to be lucky to receive. If you've been on the fence about applying, this might be the nudge.

How the $100 bonus actually works

The mechanics are simple: click through the promotional link, get approved for a new Apple Card, and spend $100 within the first 30 days. Once those purchases post to your account, $100 in Daily Cash lands in your Apple Cash or Savings account — or you can request it as a statement credit.

The key detail is that you have to apply through the specific promo link. If you apply through the Wallet app or a different channel, you won't get the bonus. Apple is explicit about this: the offer may not be available elsewhere.

• Apply through the promotional link — not through the Wallet app or other channels.
• Spend $100 within 30 days of account opening.
• Bonus is paid as Daily Cash after qualifying purchases post.
• Returns or refunds during the purchase period may trigger a Daily Cash adjustment.

The card itself: no fees, straightforward cash back

Apple Card's appeal has always been its simplicity. There's no annual fee, no late fee, and no foreign transaction fee. Cash back is unlimited and paid daily, not at the end of the month.

The earning structure is tiered: 3% at Apple and select merchants like Nike and Walgreens when you use Apple Pay, 2% on all other Apple Pay purchases, and 1% on purchases made with the physical titanium card. If you're an iPhone user who already pays with Apple Pay everywhere, the 2% base rate is competitive for a no-fee card.

• 3% Daily Cash at Apple, Nike, Walgreens, and other select merchants via Apple Pay.
• 2% Daily Cash on all Apple Pay purchases.
• 1% Daily Cash on physical card purchases.
• No annual fee, no late fee, no foreign transaction fee.

Who this offer makes sense for

If you're new to Apple Card and already use Apple Pay regularly, this is a solid bonus. The $100 spend requirement is low — you could hit it with a single grocery run or a new pair of AirPods. The bonus effectively gives you 100% back on your first $100 in purchases, which is hard to beat.

That said, this isn't the biggest Apple Card bonus we've seen. Targeted offers in the past have gone higher. But those required you to be on Apple's mailing list. This one is open to anyone who applies through the link, which makes it more accessible.

• Best for new Apple Card holders who use Apple Pay frequently.
• Low $100 spend requirement is easy to meet.
• Not available if you've had Apple Card before or have a pending application.
• Targeted offers have been higher in the past, but this one is publicly available.

A few things to watch out for

The offer terms include a clause about abuse or gaming — if Apple determines you're trying to game the system, you won't be eligible. That's standard language, but it's worth noting.

Also, if you add co-owners or participants to an Apple Card Family during the purchase period, their purchases won't count toward your $100 spend requirement. Only the primary account holder's purchases count.

And while applying won't affect your credit score initially, accepting the card after approval will result in a hard inquiry. That's normal for any credit card application, but keep it in mind if you're planning other credit applications soon.

• Only the primary account holder's purchases count toward the spend requirement.
• Apple Card Family member purchases don't count during the purchase period.
• Accepting the card triggers a hard inquiry on your credit report.
• Offer is subject to change at any time — don't wait if you're interested.

Bottom Line

• $100 welcome bonus after spending $100 in the first 30 days — must apply through the promo link.
• No annual fee, no foreign transaction fees, and up to 3% Daily Cash back.
• Only new Apple Card holders are eligible; previous cardholders and those with pending applications are excluded.
• Bonus is paid as Daily Cash and can be directed to Apple Cash or Savings.
• Offer may change at any time, so act sooner rather than later if you want it.

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