Apple Card

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A U.S. credit card product launched by Apple in partnership with Goldman Sachs.

Last updated October 18, 2026

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First read: Oct 29, 2026
Latest read: Nov 4, 2026

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Overview

Apple Card is a credit card product introduced by Apple and launched in the United States in 2019. It is designed as a financial service integrated with the Apple ecosystem: users can apply for and manage the account through the Wallet app on iPhone, review spending activity, and use a physical titanium card for payments. Its principal features include spending categorization, visible fee information, Daily Cash rewards, and integration with Apple devices and services. Goldman Sachs provides the issuing and related financial services, while Mastercard operates the payment network. Rather than positioning itself as a conventional bank card, Apple Card emphasizes a simplified, software-centered credit-card experience connected to Apple hardware, software, and accounts, with a focus on transparency and privacy. The product is primarily available to consumers in the United States, subject to the terms set by Apple and the issuing bank.

History

Apple introduced Apple Card in 2019 as an effort to enter consumer financial products. The card was developed in partnership with Goldman Sachs, which provided issuing and related financial services, while Mastercard served as the payment network. Apple embedded account application and management into the Wallet app on iPhone, allowing users to review transactions, analyze spending categories, and manage payments through Apple devices, with a physical titanium card available as an additional payment method. At launch, the product emphasized no annual fee, understandable spending information, Daily Cash rewards, and privacy-oriented features. Apple Card has primarily served the U.S. market; eligibility, interest rates, credit approval, and account terms are determined by the relevant financial-services provider under applicable rules. Because it is built around the Apple ecosystem rather than a branch-based banking model, its brand experience centers on devices, software interfaces, and digital account management.

2019
Apple Card launches in the U.S.
[1]Apple Card is now available to customers in the USapple.com
Apple partnered with Goldman Sachs to launch Apple Card, allowing users to apply for and manage their accounts via the Wallet app on iPhone.

Products and positioning

A tech company brand credit card for U.S. consumers, emphasizing Apple Wallet integration, spending management, cash back, and privacy experience.

Credit card · 2019
Apple Card
Apple Card is Apple's U.S.-focused credit card product, offered through a digital account and a physical titanium card. Users can apply, review spending, and manage the account in Wallet, with features including Daily Cash rewards.

Controversies

2019
Goldman Sachs responds to Apple Card discrimination allegations
Goldman Sachs responded to allegations that men received higher Apple Card credit limits than their wives. According to the report, the bank said applicants are evaluated independently using factors including income, creditworthiness, credit scores, and debt. The report describes the allegations but does not establish that discrimination occurred.
Source
2019
New York regulator announces investigation into Goldman Sachs’ credit card business
A spokesperson for the New York Department of Financial Services said the regulator would investigate Goldman Sachs’ credit card business to determine whether its credit-limit decisions violated state law. The announcement followed an allegation by David Heinemeier Hansson that the Apple Card algorithm gave him a much higher credit limit than his wife despite her higher credit score.
Source
2019
New York regulator announces investigation into Apple Card credit limits
In November 2019, a spokesperson for the New York Department of Financial Services said the regulator would investigate whether Apple Card credit limits violated New York law and would ensure that consumers were treated equally regardless of gender. The statement, reported by Sina Finance, did not identify any specific individuals, allege any particular outcome, or specify a timeline for the inquiry. The announcement framed the review around compliance with state law and equal treatment of consumers.
Source

2019
Launch of Apple CardProduct launch
Background
Apple wanted to integrate credit card services into Apple devices and the Wallet app.
Action taken
Apple partnered with Goldman Sachs to launch a digital credit card and a physical titanium card in the U.S.
Aftermath
Apple Card became the credit card product in Apple's financial services portfolio, primarily serving the U.S. market.
Source

Recent events

2021.12.13
Reported2021.12.13
Apple Card referral offer[6]Apple Card 推荐优惠imore.com
Apple launched a referral offer for Apple Card: referred new customers who opened an account by December 24 and made a purchase within 30 days could receive $75 in Daily Cash.
2020.06.29
Reported2020.06.29
Apple launches Path to Apple Card[7]Apple 推出 Path to Apple Card 计划techcrunch.com
Apple launched the Path to Apple Card program for people whose Apple Card applications were declined. The opt-in program can run for up to four months and offers personalized guidance intended to help participants improve specific financial markers.
2020.06.15
Reported2020.06.15
Apple expands Apple Card interest-free installments[8]苹果扩展 Apple Card 免息分期计划tech.sina.com.cn
Apple expanded the Apple Card interest-free monthly installment plan beyond iPhone purchases to include Mac, iPad, AirPods, Apple Pencil and other products. Customers can use the plan for online and in-store purchases.
2019.11.11
Reported2019.11.11
Goldman Sachs responds to Apple Card discrimination allegations[3]Goldman Sachs responds to Apple Card discrimination allegationsfoxbusiness.com
After allegations that men received higher Apple Card credit limits than their wives, Goldman Sachs said applicants are evaluated independently using income, creditworthiness, credit scores, debt, and other factors. The allegations are reported; the article does not establish that discrimination occurred.
2019.11.10
Reported2019.11.09
New York regulator announces investigation into Apple Card credit limits[5]New York regulator announces investigation into Apple Card credit limitsfinance.sina.com.cn
A spokesperson for the New York Department of Financial Services said the regulator would investigate whether Apple Card credit limits violated New York law and ensure consumers were treated equally regardless of gender.
2019.11.10
Reported2019.11.09
New York regulator announces investigation into Goldman Sachs’ credit card business[4]New York regulator announces investigation into Goldman Sachs’ credit card businesstech.sina.com.cn
A spokesperson for the New York Department of Financial Services said the regulator would investigate Goldman Sachs’ credit card business to determine whether its credit-limit decisions violated state law, after David Heinemeier Hansson alleged that the Apple Card algorithm gave him a much higher credit limit than his wife despite her higher credit score.
2019.10.31
Reported2019.11.01
Apple announces fee-free iPhone payments through Apple Card[9]Apple宣布Apple Card免息分期支付iPhoneibtimes.com
Apple CEO Tim Cook announced a planned Apple Card feature that would let customers finance iPhone purchases over 24 months without interest while earning three percent cash back. Apple had not specified when the feature would become available, but said it was coming in 2019.

Sources15 sources

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