Apple Card

Explore the credit cards and benefits offered by Goldman Sachs Bank USA. Goldman Sachs Bank USA issues the Apple Card. It earns cashback on all purchases.

Credit needed
10.99% and 21.99%
Annual Fee

Card Summary

Goldman Sachs Bank USA issues the Apple Card. It earns cashback on all purchases.

Apple Pay and Apple Purchases at Select Businesses: Cardholders get 3% Cash Back, 2% on all other Apple pay purchases and 1% on everything else.

Cashback is added automatically to your Apple Cash card via the wallet app and can be used wherever you use Apple Pay.

You can send cash back to your recipients via iMessage, or transfer it to a bank account.

There are no charges for the card and a variable interest rate of between 10.99% to 21.99% depending on creditworthiness when you open it.

Card Summary - Cons

Rates and fees

Issuer Name
Goldman Sachs Bank USA
Penalty APR
Credit Needed
Balance Transfer Fee
Annual Fee
Cash Advance Fee
10.99% and 21.99%
Foreign Transaction Fee


The Apple Card is available on your iPhone through the Wallet App. Apple Pay is quick and easy to sign up for. It should be easy to repay your balance.

Apple cards have no fees. There are no annual fees, late fees, foreign transaction, over-the limit, or other charges.

You can pay less interest Unlimited cash daily. You get 2% daily cash back for every Apple Card purchase made with Apply Pay Apple Card allows you to get unlimited 3% Daily cash back on all Apple purchases, including new Macs, iPhone cases, Apple TV, and games.

Apple Card with Apple Pay also grants you unlimited 3% daily cash back for purchases at selected merchants.

You'll receive 1% daily cash back every time you use your credit card.

Comparative Analysis with Other Cards

American Express: Apple Card or Blue Cash Preferred Card

Annual Fee: Apple Card does not charge an annual fee. American Express Blue Cash Preferred Card has an $0 annual fee, and then it will cost $95 annual fee.

Reward: Get 3% Cash Back on Apple Pay Purchases at Select Businesses, 2% on All Other Apple Pay Purchases and 1% on everything else with the Apple Card. American Express Blue Cash Preferred cardholders get 6% cash back at U.S. grocery stores on purchases up to $6,000 per year (then, 1%), 6% back for select U.S. streaming subscriptions and 3% back at U.S. gasoline stations, and on all transit services (including taxis and ride-hailing service and buses) as well as 1% back on any other purchases.

Sign-up bonus: Apple Card does not offer a welcome bonus. American Express Blue Cash Preferred Card users receive $300 credit for their first six months of use.

Benefits: Apple Card Benefits include purchase tracking, fraud protection and expense summaries. If your card is stolen or lost, you can freeze it.

The Blue Cash Preferred card from American Express will give you access to fraud protection, car rental loss and damages insurance, and other benefits.

Apple Card vs. Citi  Double-Cash Card

Annual fees: There is no annual fee for the card.

Reward: Apple Card holders get 3% cashback on Apple Pay purchases at selected businesses and 2% back for all Apple Pay purchases. All other Apple Pay purchases are eligible for 1% Cash Back. Citi Double Cash Card – 18-month BT Offer Holders get 1% cashback on all purchases, and an additional 1% when you pay.

Sign up bonus: No card provides a sign up bonus.

Benefits: Apple Card Holders have the opportunity to enjoy benefits like fraud protection, purchase tracking, and security technology such as Apple Pay.

If your card is stolen or lost, you can freeze it. Citi Double Cash Card – 18 Month BT Offer offers Identity Theft Support, Concierge Service and Exclusive Access to Event Tickets.


Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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