Apple Savings — 4.50% APY High-Yield Savings (No Sign-up Bonus Required)
Apple Savings (offered through Goldman Sachs) lets Apple Card holders open a high-yield savings account earning 4.50% APY with no fees, no minimums, and no maximum balance. Daily Cash earned from Apple Card purchases is automatically deposited. While Apple Savings doesn't offer a traditional sign-up bonus, the APY difference vs. a typical bank savings account (0.01–0.50%) represents thousands per year in free money on balances of $10,000+.
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