With the latest IOS upgrade to my iPhone, I now have the same issue - after wasting 10 minutes thinking I had forgotten how to apply Daily Cash to my statement balance, I called Goldman Sachs. When I was told that I had to either call them every month to apply the Daily Cash to the statement balance, or go through steps online, or set up a Daily Cash account, I told the rep that I would simply stop using their credit card. I have now switched all of my default credit cards on the iWatch, iPhone and iPad to use my Capital One Visa where they automatically apply my cash back every time it reaches $25. How absurd that some executives didn't think through the cost wasted by having a Goldman Sachs rep take a call every month to apply the Daily Cash. If they wake up and either automatically apply the cash back to the statement balance, or at least give us the option to apply the credit in our Wallet app, I am finished with a Goldman Sachs Apple credit card.