The Apple Card, issued by Goldman Sachs, is a Mastercard credit card made of titanium.

Card Details
| Apple Card | |
|---|---|
| Network / Tier | Mastercard · Mastercard |
| Issuer | Goldman Sachs |
| Annual Fee | $0.00 1st |
| Foreign Transaction Fee | None 1st |
| Authorized User Fee | $0.00 1st |
| Min. Credit Line | $250 183rd |
Welcome Offer
| Bonus | N/A |
| Min. Spend | N/A |
| Timeline | N/A |
| Efficiency | None |
| Cash Value | — |
| Portal Value | — |
| Transfer Value | — |
Rewards Breakdown
| Base Rate | 1.00x 75th |
| Apple purchases and select partners using Apple Pay (Uber, Nike, Panera, T-Mobile, Exxon, Ace, Walgreens) | 3.0% |
| Online Retail | 2.0% 9th |
| Anniversary Bonus | None |
Pricing Details
| Purchase APR | 26.24%–36.49% |
| Cash Advance APR | N/A |
| Cash Advance Fee | None |
| Balance Transfer Fee | None |
| Late Fee | None |
| Return Payment Fee | None |
| Min. Interest | $0.00 |
| Grace Period | 28 days 3rd |
| Penalty APR | None |
| Intro APR Period | None |
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | None |
| Partnership Benefits | None |
Strategy & Eligibility
| Min. Credit Score | 600+ |
| Recommended Range | Fair to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (None) |
| Closure Grace Period | None |
| Credit Reporting | Experian, Equifax, TransUnion |
| Product Lifecycle | Available (7y ago) |
Access & Resources
| Digital Wallets | Apple Pay |
| Customer Service | Unverified |
| Instant Use | Available |