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frontpageSUCHaDEAL posted Apr 17, 2023 02:14 PM
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frontpageSUCHaDEAL posted Apr 17, 2023 02:14 PM

Apple Card Savings Account:

(No Minimum Deposits)

4.15% Interest

Apple Store
527 Comments 328,212 Views
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Deal Details
Apple is offering an Apple Card Savings Account with 4.15% Interest.

Thanks to Community Member SUCHaDEAL for finding this deal.
  • High-yield APY of 4.15%
  • No Fees
  • No Minimum Deposits
  • No Minimum Balance Requirements
  • No Foreign Transaction Fees
What you need to open and maintain an account:
  • Be an owner or co-owner of an active Apple Card account and add Apple Card to your iPhone.
  • Be at least 18 years or older.
  • Have a social security number or individual taxpayer identification number.
  • Be a U.S. resident with a valid, physical U.S. address.
  • Set up two-factor authentication for your Apple ID and update to the latest version of iOS.
How to set up Savings:
  • On your iPhone, open the Wallet app and tap Apple Card.
  • Tap the More button, then tap Daily Cash.
  • Tap Set Up next to Savings, then follow the onscreen instructions.
  • Additional Setup Information

Editor's Notes

Written by SlickDealio
  • About the deal:

Original Post

Written by SUCHaDEAL
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Apple is offering an Apple Card Savings Account with 4.15% Interest.

Thanks to Community Member SUCHaDEAL for finding this deal.
  • High-yield APY of 4.15%
  • No Fees
  • No Minimum Deposits
  • No Minimum Balance Requirements
  • No Foreign Transaction Fees
What you need to open and maintain an account:
  • Be an owner or co-owner of an active Apple Card account and add Apple Card to your iPhone.
  • Be at least 18 years or older.
  • Have a social security number or individual taxpayer identification number.
  • Be a U.S. resident with a valid, physical U.S. address.
  • Set up two-factor authentication for your Apple ID and update to the latest version of iOS.
How to set up Savings:
  • On your iPhone, open the Wallet app and tap Apple Card.
  • Tap the More button, then tap Daily Cash.
  • Tap Set Up next to Savings, then follow the onscreen instructions.
  • Additional Setup Information

Editor's Notes

Written by SlickDealio
  • About the deal:

Original Post

Written by SUCHaDEAL

Community Voting

Deal Score
+348
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Top Comments

virals1012
411 Posts
3621 Reputation
Here are the links to get started opening this account:

https://learn.applecard.apple/benefits

https://wallet.apple.com/setup/feature/savings
CTownIntegra
16 Posts
80 Reputation
Sign ups are live. In the wallet app, select your Apple Card, go to the top right menu and hit Apple Cash, and change redemption to savings. Enter your social and you're done.
qkumbr
3438 Posts
1659 Reputation
The account is backed by Goldman Sachs - a bank.

526 Comments

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Apr 17, 2023 06:09 PM
1,884 Posts
Joined Jun 2014
gorillatechmanApr 17, 2023 06:09 PM
1,884 Posts

Our community has rated this post as helpful. If you agree, why not thank gorillatechman

Quote from kk1212 :
There are better APR why use this
This is for people who have and use an Apple Card.

You get Apple Cash deposited into your Apple Cash account every day, after purchases.

And now that Apple Cash will earn interest in the savings account, so it's a win/win situation.

If you don't have an Apple Card and you already get better interest elsewhere and you don't care about nice looking GUIs and ease of use, then just stick with what you have I guess.​
2
3
Apr 17, 2023 06:09 PM
1,574 Posts
Joined Apr 2016
RontronApr 17, 2023 06:09 PM
1,574 Posts
PayPal Savings also has 4.15% right now with Synchrony bank
1
3
Apr 17, 2023 06:15 PM
952 Posts
Joined Aug 2007
slickjamesApr 17, 2023 06:15 PM
952 Posts
Quote from PrisN :
You can open the apple credit card without a credit inquiry. I did it
is there a specific process you did?
Apr 17, 2023 06:18 PM
93 Posts
Joined Sep 2015
liana1101Apr 17, 2023 06:18 PM
93 Posts
Quote from mustylurid :
you need a card and that was a bummer for me . don't want a credit check just to open a card+ savings account
It said your credit isn't pulled on the the websight if you click on the deal 🤔
4
Apr 17, 2023 06:20 PM
1,884 Posts
Joined Jun 2014
gorillatechmanApr 17, 2023 06:20 PM
1,884 Posts

Our community has rated this post as helpful. If you agree, why not thank gorillatechman

Quote from PrisN :
You can open the apple credit card without a credit inquiry. I did it
That is not accurate. You will get a hard pull if you accept the card.

When you apply for an Apple Card, if they accept you, they will make an offer, showing you what credit limit they will give you.

You can then either choose to accept or decline.

If you decline, then it'll only be a soft pull on your credit.
If you accept, you will get a hard pull, just like with any other card.

2
1
Apr 17, 2023 06:22 PM
25 Posts
Joined Aug 2019
SensibleName726Apr 17, 2023 06:22 PM
25 Posts
So if you're not approved for Apple card you can't open savings account right ?
1
Apr 17, 2023 06:26 PM
363 Posts
Joined Oct 2008
slickdude99Apr 17, 2023 06:26 PM
363 Posts
Already have an Apple Card. Should I move $100k savings from Marcus to this? It kinda scares to to have that much money accessible to my Apple Wallet
1
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Apr 17, 2023 06:27 PM
14,633 Posts
Joined Jul 2006
ben_r_Apr 17, 2023 06:27 PM
14,633 Posts
Quote from gorillatechman :
This is for people who have and use an Apple Card.

You get Apple Cash deposited into your Apple Cash account every day, after purchases.

And now that Apple Cash will earn interest in the savings account, so it's a win/win situation.

If you don't have an Apple Card and you already get better interest elsewhere and you don't care about nice looking GUIs and ease of use, then just stick with what you have I guess.​
Interest is paid monthly it looks like (LINK [apple.com]):
Interest that you earn is compounded daily and credited to your Savings account monthly.
1
Apr 17, 2023 06:28 PM
3,147 Posts
Joined Nov 2004
ironikalApr 17, 2023 06:28 PM
3,147 Posts
Isn't there a $75 new user sign up bonus for Apple Card now? Seems like the timing of the savings release and the referral was perfect for those that qualify.
1
Apr 17, 2023 06:28 PM
1,884 Posts
Joined Jun 2014
gorillatechmanApr 17, 2023 06:28 PM
1,884 Posts
Quote from SensibleName726 :
So if you're not approved for Apple card you can't open savings account right ?
Having an Apple Card is a requirement, so yes, I guess somebody would be out of luck in that case.
Apr 17, 2023 06:28 PM
710 Posts
Joined Apr 2006
gokuApr 17, 2023 06:28 PM
710 Posts
Quote from mustylurid :
you need a card and that was a bummer for me . don't want a credit check just to open a card+ savings account
My thoughts exactly!
2
Apr 17, 2023 06:29 PM
502 Posts
Joined May 2015
LangTangApr 17, 2023 06:29 PM
502 Posts
It appears sign up is not yet available for everyone. Maybe it's getting rolled out based on location. Not seeing sign up steps and screens mentioned here - https://www.cnbc.com/2023/04/17/h...phone.html
1
Apr 17, 2023 06:29 PM
240 Posts
Joined Jan 2015
just10credibleApr 17, 2023 06:29 PM
240 Posts
Any reason to believe this 4.15 rate won't continue to increase as the industry does? I currently have Ally for my HYSA but they're only at 3.75 now. But would hate to move the money to Apple then Ally goes to 4.25 or something.
2
Apr 17, 2023 06:29 PM
58 Posts
Joined Mar 2018
ab2305Apr 17, 2023 06:29 PM
58 Posts

Our community has rated this post as helpful. If you agree, why not thank ab2305

Absence of the ATM access is a dear breaker for me unfortunately.
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Global Mod
Apr 17, 2023 06:31 PM
2,066 Posts
Joined Aug 2005
Gosh
Global Mod
Apr 17, 2023 06:31 PM
2,066 Posts
"Apple Card welcome offer
One of the most disappointing things about the card is the lack of a sign-up bonus. Very few rewards cards offer no sign-up bonus."

(ThePointsguy/March 2023)
1

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