Credit card review
Goldman Sachs Apple Card Review
Goldman SachsMastercardCash backNo annual fee
Goldman Sachs Apple Card earned 4.2 / 5 in our 2026 review. The Goldman Sachs Apple Card earns 3% on apple with no annual fee. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
Goldman Sachs
Apple Card
Goldman Sachs
Apple Card
TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
3% on apple
Intro APR
None
Issuer
Goldman Sachs
Network
Mastercard
Min credit score
600
Fintiex rating
4.2 / 5
Pros
- +3% Daily Cash back at Apple and select merchants (Nike, Uber, Walgreens, etc.)
- +2% Daily Cash on all Apple Pay purchases
- +No annual fee, no foreign transaction fees, no late fees, no over-limit fees
- +Daily Cash paid to Apple Cash card every day
- +Titanium physical card with no visible card number for security
- +Built-in spending summaries and financial health tools in iPhone Wallet
- +0% APR financing on Apple products via Apple Card Monthly Installments
- +Privacy protections from Goldman Sachs
Cons
- -Only 1% back when using the physical card
- -No signup bonus
- -Requires an iPhone to manage the account
- -Limited to Goldman Sachs partnership, future uncertain
- -Not accepted everywhere Apple Pay isn't supported
Rewards detail
apple
3%
apple_pay
2%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
19.24% to 29.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
19.24% to 29.49%
Cash advance APR
29.49%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for
The Apple Card is built for people who want a cash back or no annual fee card. Most approvals land at FICO 600 and above, but issuers prefer scores near 670. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Apple Card have a foreign transaction fee?
No. The Goldman Sachs Apple Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Apple Card?
Approvals typically start around a FICO score of 600, but Goldman Sachs prefers 670 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Apple Card have a welcome offer?
No. The Goldman Sachs Apple Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Apple Card have a 0% intro APR offer?
No. The Goldman Sachs Apple Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 19.24% to 29.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Apple Card?
$0. The Goldman Sachs Apple Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Apple Card worth it?
Fintiex rates the Goldman Sachs Apple Card 4.2 out of 5 for 2026. It is best for cash back and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
Ready to apply for the Apple Card?
Takes about 5 minutes. Most applicants see a decision in seconds.