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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 328,253 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 08:28 PM
778 Posts
Joined Dec 2006
seancruiseApr 17, 2023 08:28 PM
778 Posts
Quote from americanvm01 :
Yes, need iOS 16.4
Correct, I couldn't see the option until I upgraded to 16.4.1
1
Apr 17, 2023 08:29 PM
1,056 Posts
Joined Aug 2011
JXN89Apr 17, 2023 08:29 PM
1,056 Posts
Quote from rastatech :
That's incorrect. You can preapply (soft inquiry) and without a hard inquiry and they will tell you if they will likely approve you or not but when you actually apply it is a hard inquiry just like with any other credit card.
Not if you freeze your credit report before you hit apply. I got the credit card without taking a hit
2
Apr 17, 2023 08:32 PM
2,851 Posts
Joined Nov 2010
wolve3Apr 17, 2023 08:32 PM
2,851 Posts
Quote from metaldood :
So savings account is tied with an OS? If we don't upgrade iOS then we can't access the account? Lol
Well ideally there's a way to access the account thru the web, but I have no idea if that's possible. There are web sites for Apple Music and Apple TV+, so maybe there's one for Apple Card / Savings account.

Edit - Did a quick search and found the website... https://card.apple.com
Apr 17, 2023 08:32 PM
79 Posts
Joined Mar 2015
iyouryApr 17, 2023 08:32 PM
79 Posts
Quote from nandoross :
YMMV but I think I remember a trick people were doing where if you go through the initial check where they give you an offer, then freeze your credit and click accept, Apple will open the account and they won't do a hard credit pull because they can't. But again, ymmv. Look it up first also because I might have gotten details wrong.
HAHA! that is what I did LOL. I just got accepted for 15k on my apple card. They use TransUnion BTW. If you lock it before accepting the offer you won't get the Hard pull. HOWEVER, now that I have the card I DON'T see the option to open the saving account like other peoples have reported. Anyone knows why? Thanks!
1
Pro
Apr 17, 2023 08:36 PM
2,160 Posts
Joined Jun 2019
Fanime
Pro
Apr 17, 2023 08:36 PM
2,160 Posts
Quote from Binar :
the question is , is the savings rate locked in or Apple would change it to 1% after they meet their numbers?
It's going to follow whatever happens on the federal level. It won't drop to 1% if every other HYSA stay at 3-5%.
Apr 17, 2023 08:37 PM
2,851 Posts
Joined Nov 2010
wolve3Apr 17, 2023 08:37 PM
2,851 Posts
Quote from fritzo :
That's not too far off. You need Apple Pay to use it, and Apple Pay only works on certain versions of iOS.
There's a website to manage Apple Card... https://card.apple.com

No idea if one can sign up for Savings account thru there too since I don't have Apple Card. Maybe someone else can check.
Pro
Apr 17, 2023 08:38 PM
2,160 Posts
Joined Jun 2019
Fanime
Pro
Apr 17, 2023 08:38 PM
2,160 Posts
Quote from iyoury :
HAHA! that is what I did LOL. I just got accepted for 15k on my apple card. They use TransUnion BTW. If you lock it before accepting the offer you won't get the Hard pull. HOWEVER, now that I have the card I DON'T see the option to open the saving account like other peoples have reported. Anyone knows why? Thanks!
Are you on iOS 16.4.1?
1

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Apr 17, 2023 08:39 PM
1,245 Posts
Joined Nov 2007

This comment has been rated as unhelpful by Slickdeals users.

Apr 17, 2023 08:40 PM
4,164 Posts
Joined Dec 2004
ChronoTriggeredApr 17, 2023 08:40 PM
4,164 Posts
Quote from iyoury :
HAHA! that is what I did LOL. I just got accepted for 15k on my apple card. They use TransUnion BTW. If you lock it before accepting the offer you won't get the Hard pull. HOWEVER, now that I have the card I DON'T see the option to open the saving account like other peoples have reported. Anyone knows why? Thanks!
What iOS version are you on? You may have to be on 16.4 or higher
1
Apr 17, 2023 08:41 PM
252 Posts
Joined Feb 2012

This comment has been rated as unhelpful by Slickdeals users.

Apr 17, 2023 08:42 PM
79 Posts
Joined Mar 2015
iyouryApr 17, 2023 08:42 PM
79 Posts
Quote from Fanime :
Are you on iOS 16.4.1?
Nop, Updating my iOS now. Will let you guys after it's done.
1
Staff
Apr 17, 2023 08:46 PM
213 Posts
Joined Feb 2011
swongskw
Staff
Apr 17, 2023 08:46 PM
213 Posts
I'm on 16.4.1 and im getting the "Savings Unavailable" message. It says "Apple Pay services are currently unavailable. Please try again later.
1
Pro
Apr 17, 2023 08:46 PM
2,160 Posts
Joined Jun 2019
Fanime
Pro
Apr 17, 2023 08:46 PM
2,160 Posts
The credit bureau freeze hack apparently still works. Which is funny since every reputable bank wouldn't allow you to open a card without running a hard credit check. Goldman is just using what they learned during the subprime mortgages era and applying it to credit cards. Kinda ridiculous.
1
Apr 17, 2023 08:51 PM
338 Posts
Joined Dec 2013
newgunApr 17, 2023 08:51 PM
338 Posts
Same APY as PayPal Savings
1

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Apr 17, 2023 08:51 PM
580 Posts
Joined Apr 2018
SeriousTerrier997Apr 17, 2023 08:51 PM
580 Posts
Sorry Snapple, no sign up discount= no deal.
2

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