What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
Apple Card Bonus — Up to $75 + $38
Apply to Apple Card Bonus and earn up to $113 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| Spend $75 | $75 |
Qualifying Period
Within 30 days of account opening
Payout
After first purchase posts
Requirements
- ✓Apply via promo link or Credit Karma marketplace
- ✓Open account between 2/17/26 - 3/31/26
- ✓Make at least one purchase or spend $75 within 30 days of account opening
- ✓Make first purchase within 30 days of account opening
- ✓Spend $75 or more to earn the $75 bonus
- ✓Open account during offer period (2/17/26 – 3/31/26)
- ✓Spend $75 or more within 30 days of account opening
- ✓Apply via promo link at https://apple.co/cardoffer021726a or Credit Karma marketplace
- ✓Spend $75 or more on new Apple Card within 30 days of account opening
- ✓Account must be opened between 2/17/26 and 3/31/26
- ✓Credit approval required
- ✓Make a purchase within 30 days of account opening
- ✓Open account during offer period (2/17/26–3/31/26)
- ✓Spend $75 or more on card within 30 days of opening
- ✓Spend $75 within 30 days of account opening
- ✓Subject to credit approval
- ✓Available only in United States
- ✓Family participants' purchases do not count toward spend requirement
Restrictions
- ⚠New customers only
- ⚠One offer per new Apple Card account
- ⚠Not valid for existing Apple Card users or Co-Owners/Participants of Apple Card Family accounts
- ⚠One per new Apple Card account
- ⚠Cannot be combined with other new account acquisition promotional offers
- ⚠New Apple Card customers only
- ⚠Limit one offer per new Apple Card account
- ⚠Not available to applicants with existing/pending Apple Card applications
- ⚠Limit one offer per account
- ⚠Not valid for existing Apple Card users or those with pending applications
- ⚠Must apply through promo link or Credit Karma's marketplace
- ⚠Purchases by Co-Owners or Family Participants do not qualify
- ⚠New cardholders only
- ⚠Cannot use the physical card for qualifying spend (Apple Pay required for some offers)
- ⚠Purchases by Apple Card Family Participants and Co-Owners do not qualify
- ⚠Not valid for Apple Card Family Participants and Co-Owners
- ⚠New Apple Card holders only
- ⚠One offer per new account
- ⚠Must apply via promotional link or Credit Karma marketplace
- ⚠One offer per account
- ⚠Offer no longer available
Fees
- $0 annual fee
- No late payment fees
- No foreign transaction fees
- No late fees
- No annual fees
- No over-the-limit fees
- Returns may result in Daily Cash adjustment charge
- Apple Cash card required (or statement credit as alternative)
- Family Participants and Co-Owners purchases do not qualify toward spend threshold
- Bonus is earned as Daily Cash and transferred after $75 in transactions post
- Returns/refunds may result in Daily Cash adjustment charge
- Purchases by Co-Owners or Participants do not qualify
- Daily Cash can be directed to Apple Cash account or Savings account, or applied as statement credit
- Returns/refunds may result in $75 Daily Cash adjustment charge
- Family Participants and Co-Owners' purchases do not qualify toward spend requirement
- Can direct Daily Cash to Savings account, Apple Cash account, or statement credit
- Subject to credit approval
- Bonus earned as Daily Cash, transferred after $75 in transactions post
- Returns and refunds may result in Daily Cash adjustment charges
- Not available to existing cardholders or co-owners added to family accounts
- Purchases by Apple Card Family Participants and Co-Owners do not qualify
- Offer expired March 31, 2026
- Bonus earned as Daily Cash and transferred after first purchase posts
- Additional purchases during offer period may qualify for re-fulfillment but may be delayed
- Daily Cash can be deposited to Apple Cash card or Savings account
- Returns of qualifying purchases may result in a Daily Cash adjustment charge
- Daily Cash can be directed to Apple Cash account, Savings account, or applied as statement credit
- Changes to account status during offer period may delay fulfillment
- $75 earned as Daily Cash after first purchase posts to account
- Returns may result in a Daily Cash adjustment charge
- Can direct Daily Cash to Savings account or Apple Cash account
- Family Participant and Co-Owner spending does not qualify toward the $75 threshold
- Returns may result in adjustment charges
- Bonus deposits to Apple Cash account or can be applied as statement credit
- Bonus earned as Daily Cash
- Returns/refunds may result in Daily Cash adjustment charges
- Family participants' purchases do not count toward spend requirement
- Account status changes may delay bonus fulfillment
- This offer is no longer available
Total potential bonus
$113
Additional Referral Bonus (how it works)
$38
Your 50% share of $75 paid directly by the referrer
View Referral Terms →$75 (sign-up) + $38 (referral) = $113 total
Last updated June 7, 2026
How to evaluate Apple Card Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- Within 30 days of account opening
- Payout timeline
- After first purchase posts
How to qualify
- Apply via promo link or Credit Karma marketplace
- Open account between 2/17/26 - 3/31/26
- Make at least one purchase or spend $75 within 30 days of account opening
- Make first purchase within 30 days of account opening
Common pitfalls
- New customers only
- One offer per new Apple Card account
- Not valid for existing Apple Card users or Co-Owners/Participants of Apple Card Family accounts
- One per new Apple Card account
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $3,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $75 sign-up bonus, $38 referral share for a total displayed potential of $113. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Apple Card Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is $38 based on 50% of the listed referral payout.
How long do I have to qualify for Apple Card Bonus?
The qualifying period listed for Apple Card Bonus is Within 30 days of account opening.
When does Apple Card Bonus pay out?
The payout timeline listed for Apple Card Bonus is After first purchase posts.
