Goldman Sachs credit cards
Current Apple Card issuer, leaving consumer cards. JPMorgan Chase will take over the Apple Card over roughly 24 months (announced Jan 2026).
About Goldman Sachs
Goldman Sachs, through Goldman Sachs Bank USA, is the current issuer of the Apple Card and is known in cards almost entirely for that one product. Apple Card has no annual, foreign transaction, over-the-limit or late fees, earns Daily Cash back, and lives in the Wallet app on iPhone. In January 2026, Apple announced that JPMorgan Chase will become the new issuer, with the transition expected to take about 24 months.
The card suits iPhone users who want a no-fee card with simple cash back and spending tools built into Wallet. You apply in Wallet, and Apple says the application itself does not affect your credit score; a hard inquiry happens only if you accept an approved offer. The limitation: Goldman is leaving consumer cards, so this is a transitional issuer with a single product, and the account is managed mainly through Apple devices and card.apple.com. See our Chase issuer page for the incoming issuer.
Notable Goldman Sachs cards
- Apple Card (transitioning to Chase)
Goldman Sachs cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Apple / Goldman SachsApple 5241 0968 7642 7841 VALID THRU 12/29AVERY PATEL Apple CardiPhone users who pay with Apple Pay and want fee-free cash back |
None | 3% at Apple & select partners, 2% with Apple Pay, 1% with the titanium… | None | None | Fair to Good (660+) |
Approval rules and tips
Goldman Sachs does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Apply in the Wallet app; Apple says applying has no impact on your credit score, and a hard inquiry is made only if you accept an approved offer.
- You must be 18 or older, depending on where you live, and a U.S. citizen or lawful resident with a physical U.S. address.
- Your Apple Account needs two-factor authentication, and your iPhone or iPad must run the latest iOS or iPadOS.
- If your credit reports are frozen, lift the freeze temporarily before you apply.
How to apply for a Goldman Sachs card
Apply in the Wallet app on an iPhone or iPad running the latest iOS or iPadOS, signed in to your Apple Account with two-factor authentication. Apple says the application itself does not affect your credit score, and a hard inquiry happens only if you accept an approved offer. You may need a driver's license or state-issued photo ID to verify your identity, and any credit freeze must be lifted first.
Customer service: support.apple.com
Goldman Sachs FAQs
What credit cards does Goldman Sachs offer?
Goldman Sachs's notable cards include Apple Card (transitioning to Chase). See the cards we review below for fees, rewards and APRs.
Does Goldman Sachs have special approval rules?
Goldman Sachs does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Goldman Sachs credit card?
Apply on www.apple.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Goldman Sachs card?
See our step-by-step guide to activating a Apple Card (titanium card) — online, in the app or by phone.
Will Apple Card move from Goldman Sachs to Chase?
Yes. Apple announced in January 2026 that JPMorgan Chase will become the new issuer of Apple Card, with the transition expected to take about 24 months. Mastercard stays as the network, and Apple says you can keep using your card as normal. Until the switch, Goldman Sachs Bank USA remains the issuer.
Does Apple Card charge foreign transaction fees?
No. Apple lists no annual, foreign transaction, over-the-limit or late fees for Apple Card. Interest still applies if you carry a balance from month to month, so paying the full statement balance each month is the way to keep the card free to use.
Can I get Apple Card without an iPhone?
Apple's application requirements call for an iPhone or iPad with the latest iOS or iPadOS, signed in to an Apple Account with two-factor authentication. Apple Card is built around the Wallet app, though you can also check your balance and make payments at card.apple.com in a supported browser.