Goldman Sachs, the issuing bank of the Apple Card, released its cardholder agreement Friday, outlining several banned transactions that can be seen as alternatives to traditional cash advances.

Apple Card is designed as a cash-back credit card with different tiers. At the high end, cardholders get three percent back for purchases at Apple-owned properties and web sites, such as iTunes, Apple Music and the company’s retail stores.

Users get two percent back for any purchases made using the card via Apple Wallet and one percent back for all other buys.