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Apple Card $75 Sign-Up Bonus: How to Claim It (March 2026)
July 1, 2025
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If you've been on the fence about applying for the Apple Card, now is the time. Apple rarely runs public sign-up bonuses. This kind of offer is the exception, not the rule.
What's the Deal?
New Apple Card applicants who are approved and spend $75 within their first 30 days will receive $75 in Bonus Daily Cash. Effectively, your first $75 in purchases comes right back to you.
The offer was originally set to expire January 12th, but has since been extended through March 31, 2026. Historically, Apple surfaces these limited-time offers through targeted emails and social media ads rather than public announcements, so catching it now is worth acting on.
Apple Card Rewards: A Quick Refresher
Apple Card's cash back structure works on three tiers:
- 3% Daily Cash at Apple and select retail partners
- 2% Daily Cash on all purchases made with Apple Pay
- 1% Daily Cash on purchases made with the physical titanium card
Apple's 3% partner list is solid and growing. It currently includes Uber and Uber Eats, Walgreens, Nike, Exxon and Mobil, Panera Bread, and more.
Daily Cash is paid out every day, not at the end of a statement cycle, and lands directly in your Apple Cash balance, where it can be used to spend, send, or save in a high-yield Apple Savings account.
[[ SINGLE_CARD * {"id": "145", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Apple Pay Users", "headerHint" : "Real-Time Transaction Tracking" } ]]
Is the Apple Card Worth It in 2026?
For iPhone and Apple Pay users, the Apple Card is genuinely hard to beat on everyday spending. The 2% on all Apple Pay purchases is one of the better flat-rate returns available, and the no-fee structure (no annual fee, no foreign transaction fees, no late fees) keeps it simple.
The card shines most for people who:
- Shop at Apple regularly or buy Apple products
- Use Apple Pay as their default payment method
- Want a simple, no-maintenance cash back card with daily payouts
- Already use or plan to use the Apple Savings account
Where it falls short is in category-specific rewards. If you're a heavy traveler or want to maximize points in specific categories like dining or groceries, dedicated travel or rewards cards may serve you better.
How Apple Card Compares to Other Cash Back Cards
Apple Card holds its own against the competition, but the right choice depends on how you spend.
[[ SINGLE_CARD * {"id": "497", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "Fantastic Cash Back Card"} ]]
[[ SINGLE_CARD * {"id": "2883", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Cash Back Seekers", "headerHint" : "Cash Back Rewards" } ]]
vs. Capital One Quicksilver Secured Cash Rewards Credit Card
[[ SINGLE_CARD * {"id": "3058", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Credit Builders", "headerHint": "Flat Cash Back"} ]]
vs. Blue Cash Everyday® Card from American Express (See Rates & Fees)
[[ SINGLE_CARD * {"id": "260", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Reward Seekers", "headerHint": "Cash Back Rewards Program"} ]]
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level vary by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
The short version: Apple Card is an excellent everyday card for iPhone users who pay with Apple Pay consistently and shop at Apple's partner merchants. For people who want to maximize a specific category like dining, groceries, or travel, a dedicated rewards card will usually do better, which is exactly why pairing Apple Card with a smart wallet tool like Kudos makes sense.
How Kudos Helps You Earn More on Every Purchase
Here's where it gets interesting. Apple Card gives you 2% back when you use Apple Pay, but knowing when to use Apple Card versus another card in your wallet is what separates casual cardholders from optimized ones.
Kudos automatically analyzes your full card portfolio and tells you which card to use at each merchant to maximize your cash back or points. So if your Apple Card is the best option at a given store, Kudos surfaces that instantly. If another card offers 5% back in a rotating category you're missing, Kudos catches that too.
Think of it as putting your entire wallet on autopilot.
How to Claim the $75 Apple Card Bonus
- Apply for Apple Card through the Wallet app on your iPhone or via Apple's website.
- Get approved and activate your card.
- Spend $75 within your first 30 days.
- Receive $75 in Bonus Daily Cash, typically within a few days of hitting the threshold.
The offer is available to new Apple Card applicants only and expires March 31, 2026.
Bottom Line
A guaranteed $75 back on your first $75 in spending is as close to a risk-free sign-up bonus as it gets. If you're an Apple ecosystem user without the Apple Card, this is a strong window to pick it up at no cost to you.
And once it's in your wallet, Kudos makes sure you're always using it, or any other card, at exactly the right moment.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
