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Apple Card: terms, score and downsides Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric score 58.6% across 78 cards. Issuer page ↗
Downsides first APR up to 27.99% if you carry a balance 2% only with Apple Pay (physical card earns less); 3% at Apple not modeled. Terms & fees Issuer Goldman Sachs Type cash back Annual fee $0 apple.com, 2026-10-12 Regular purchase APR 17.74%–27.99% variable apple.com, 2026-10-12 Rewards 2% base apple.com, 2026-10-12 Sign-up bonus (≈$) $0 No sign-up bonus shown apple.com, 2026-10-12 Intro APR none No intro APR shown apple.com, 2026-10-12 Foreign transaction fee none files.consumerfinance.gov, 2025-12-31 Penalty APR not found consumerfinance.gov, 2026-10-12 Late fee not found files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee not found files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 30 days files.consumerfinance.gov, 2025-12-31 Cash advance APR not found CFPB survey APR (2025-12-31) 17.49%–28.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Complaint record (CFPB) Complaints, last 12 months 6,261 Trend ▲ 21.1% (last 12 mo 6,261 vs prior 12 mo 5,169)Timely response (last 36 mo) 99.9% Top issue Problem with a purchase shown on your statement Insurance status FDIC-insured: Goldman Sachs Bank USA (cert 33124, active; deposits $498.8B as of 06/30/2026) Company-level (GOLDMAN SACHS BANK USA), all products, as of 2026-10-12. Goldman Sachs (Marcus, Apple Card) complaints: full record → Shown for context; does not change the score.
Score breakdown Annual fee 10.0 /10 Annual fee $0 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted). Rewards rate 8.0 /10 Base 2% on everything, top category 2% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 2% base Sign-up bonus 0.0 /10 Bonus ≈ $0: No sign-up bonus shown (as of 2026-10-12). Score = value/$75, max 10. Intro 0% APR 0.0 /10 No intro APR shown (as of 2026-10-12). Score = months/21×10. Regular APR 8.0 /10 17.74%–27.99% variable (as of 2026-10-12); midpoint 22.86%. Score = (34 − midpoint)/1.4, 0–10. Foreign transaction fee 10.0 /10 No foreign transaction fee (as of 2025-12-31). Regulatory record (CFPB) n/a /10 not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median) 0.143×10.0 + 0.143×8.0 + 0.143×0.0 + 0.143×0.0 + 0.143×8.0 + 0.143×10.0 + 0.143×5.0* = 5.86 → 58.6% (* unknown, imputed)
Is Apple Card worth it? (break-even math) → Value for my spending →
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FAQ What is the Apple Card annual fee? $0
What is the Apple Card APR? 17.74%–27.99% variable
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