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Limited-time Apple Card sign up bonus offers users boosted 5% cash back on groceries

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Why This Matters

Apple is offering a limited-time promotion for new Apple Card users to earn 5% cash back on groceries for the first six months, significantly boosting the typical rewards rate. This move enhances the card's appeal by providing substantial savings on everyday expenses and highlights Apple's ongoing efforts to attract more users amidst its transition from Goldman Sachs to JPMorgan Chase. For consumers, this is an opportunity to maximize cash back on grocery spending in a short window, making the Apple Card more competitive in the cashback rewards space.

Key Takeaways

Now through April 13th, new Apple Card users can receive a boosted 5% cash back on groceries for their first 6 months of card membership. This is considerably higher value than the typical 1-2% cash back you’d receive on groceries.

Apple has been running this offer in a targeted capacity for at least a month, but there hasn’t yet been a publicly available link. Now, there is: you can sign up here.

This offer allows new users to earn 5% cash back on groceries purchased with both the physical titanium card and with Apple Pay, providing users with up to $500 in bonus cash back. A bonus that applies to the physical Apple Card is quite rare, though there is a slight catch.

Since you’re capped at earning $500 in bonus cash back, you’ll technically be covered at 5% for less spend if you use the physical card – since earning a bonus 4% would cap out after $12,500 in grocery spend, whereas you’re covered for up to $16,667 in grocery spend with a bonus 3%.

That fact may not matter since you’re only covered for your first 6 months of being a cardholder (and you likely aren’t spending that much on groceries in your just 6 months), but it’s worth pointing out.

Either way, Apple is offering an additional up to $500 in cash back for grocery spend for new cardholders, though you have under 2 weeks to claim the offer.

Wrap up

Outside of this offer, Apple Card offers 1% cash back using the titanium card, 2% cash back on all purchases made with Apple Pay, and 3% cash back on purchases made at Apple and select partner merchants. Some of those merchants include Ace Hardware, Booking.com, ChargePoint, Walgreens/Duane Reade, Uber/Uber Eats, Exxon Mobil, Hertz, and Nike.

There’s also an offer for all Apple Card cardholders where users can earn 5% cash back at Walgreens and Duane Reade through May 20th.

Apple Card is also undergoing a bank transition, moving from Goldman Sachs to JPMorgan Chase. Existing cardholders will have a seamless transition, and you can read more about it here.

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