Grants & Fellowships Online / National

Apple Savings — 4.50% APY High-Yield Savings (No Sign-up Bonus Required)

Reward 4.50% APY on all balances — no sign-up bonus but ~$450/year on $10K vs $5–50/year at traditional banks

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+.

Reward 4.50% APY on all balances — no sign-up bonus but ~$450/year on $10K vs $5–50/year at traditional banks
Category Grants & Fellowships
Location National
Eligibility Requires an Apple Card (available to US residents 18+ with iPhone). Open Apple Savings directly from the Wallet app. No minimum balance, no fees, no maximum. Goldman Sachs FDIC-insured up to $250K.
Source Official Source ↗
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