Apple Card

Goldman Sachs · Credit card · Cash back

3.0 Debt Sunset rating vs. other cash back cards

No fees at all, daily cash back, and budgeting tools built into the iPhone Wallet app.

Rates, fees and offers

Regular APR: 17.49%–27.74% variable
Annual fee: $0
Promo offers: None currently advertised
Balance transfer fee: Balance transfers not offered
Rewards: 3% Daily Cash at Apple and select merchants with Apple Pay; 2% with Apple Pay; 1% with the physical card. No fees of any kind.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Support is by chat with an Apple Card Specialist in the Wallet app or at card.apple.com (Support). 877-255-5923 is only for residents of U.S. territories. Billing Error Notices must be sent in writing to the address below. Goldman Sachs announced on January 7, 2026 that the Apple Card program will move to Chase over about 24 months; Goldman keeps operating it during the transition, so these contact details may change.

In January 2026 Apple announced that Chase will become the Apple Card issuer, replacing Goldman Sachs; the transition may take up to 24 months. Your card keeps working during the move. No balance transfers or intro APR. The Wallet app shows how much interest you'll pay for each payment amount, which is useful when paying down debt.

Paying and contacting Goldman Sachs

Pay online: card.apple.com
Pay by mail: The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
Billing disputes: Goldman Sachs Bank USA
Lockbox 6112
P.O. Box 7247
Philadelphia, PA 19170-6112

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