Goldman Sachs Credit Cards offers a premier selection of Goldman Sachs credit cards, including the Apple Card. Browse credit cards below.

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My GM Rewards Card

My GM Rewards Card
  • Regular Purchase APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 10,000 points after spending $1,000 on the My GM Rewards Card† in the first 90 days
  • Earn 7X points on GM purchases
  • Earn 4X points on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 9 months
  • Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Apple Card

Apple Card
  • Regular Purchase APR 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn cash back with every purchase
  • No hidden fees
  • Get a detailed breakdown of your spending from your iPhone
Rates & Fees
  • Regular Purchase APR: 10.99% to 21.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals

About Goldman Sachs Credit Cards   

Goldman Sachs Bank’s first foray into the credit card world has been the Apple CardAs a powerhouse tech company, Apple wanted to create a card that fiseamlessly into its Apple Pay program. The result was a zero-fee card that cardholders never even have to pull out at the register – it syncs perfectly with the iPhone’s digital wallet and earns instant cash back along the way.  

As the first of Goldman Sachs credit cards, the Apple Card offered a clean slate on which Apple could exert its influence (thus, why the card’s motto is “Created by Apple, Not a Bank”). This enabled the company to negotiate a deal that gives customers more data privacy than most other credit cards offer, and also prohibited the use of customer data for ad sales. This privacy policy has since shifted a bit, but with the intention of making the Apple Card more accessible to interested applicants. 

Is the Apple Credit Card Worth It? 

Unsurprisingly, the initial announcement for the Goldman Sachs Apple Credit Card generated plenty of excitement from current and potential Apple customersTo see if it lived up to the hype, let’s take a look at some of the Apple Card’s standout features: 

  • Instant Cash Back RewardsMany cash back credit cards process reward earnings on a monthly or quarterly basis. With this Apple rewards card, you’ll gain access to your cash back almost immediately through the Wallet app, with no minimum requirements to redeem.  
  • Transaction Tracking: Not only will you see your recent transactions in the digital wallet, you’ll also get data on the exact store and location of each purchase. 
  • Color-Coded Categories: Each purchase is sorted by color into a major category for easy budgeting. 
  • Payoff Calculator: This in-app tool shows you how much interest you’ll owe depending on the size of the balance you carry. 
  • Absolutely No Fees: That’s right. No annual fee, foreign transaction fee, late fee, or any other kind of fee you can think up.  

These are some pretty stand-out features, but you’ll need an iPhone to benefit from any of them. If you’re already an Apple fan, or were planning on starting out with the latest model, this could be a great companion to the Apple Pay app. Plus, you’ll be ahead of the curve as digital wallets become more popular at checkout. 

How to Apply for Apple Credit Card from Goldman Sachs

The first unofficial step in applying for the Apple Card is getting yourself an iPhone if you don’t already have one. As pointed out in the previous section, much of the card’s functionality is contingent upon connecting it to the iOS Wallet app, not to mention Apple Pay. In particular, you’ll use the digital wallet to view your transaction history, current balance, and most importantly, to make payments. There’s no other way to pay your monthly statement than through your iPhone. 

With iPhone in hand, you can then proceed to the Goldman Sachs credit card application, which is also entirely digital. Reportedly, credit scores as low as the 600s can qualify you for this card, which is pretty surprising for such a futuristic rewards cardThose privacy changes mentioned earlier can potentially lower the threshold for approval even further, if you elect to provide additional info in your application.  

How Does the Goldman Sachs Apple Credit Card Work? 

Once youGoldman Sachs Apple Card application is approved, you’ll set it up in the Wallet app, as well as the Apple Pay app. If you set it as your primary card in Wallet, this will become your default payment method in Apple Pay and other Apple services. To make a purchase with the card, you’ll use one of the following methods: 

  • Pay with Apple Pay: At retailers where Apple Pay is accepted, you’ll simply hold your card over the payment processor. Once complete, details of the transaction will appear in your app. No physical card needed. 
  • Pay with the titanium card: Not all merchants currently accept Apple Pay. In this case, you can request a physical card and swipe like you would with any other credit card. 
  • Pay with your Apple Card number: For online transactions, you’ll need to find your card’s number in the Wallet app (it’s not listed on the physical card). 

How to Increase Apple Card Credit Limit 

You’ll need to use the card for a minimum of six months before Goldman Sachs will consider you for a credit increase. During that time, the issuer will monitor your use of the cardAs long as you use the card responsibly, it’s likely that you’ll be eligible for an limit boost when the time comes. 

Does Apple Card Report to Credit Bureaus? 

At first, this Goldman Sachs credit card wasn’t reported to any of the credit bureaus. However, as of Dec. 2019, Apple and Goldman Sachs began reporting the card to TransUnion. It’s assumed that eventually all three major credit bureaus will include this card on their reports. 

Uncover Your Best Credit Card 

Check out our in-depth Apple Credit Card review and compare against our other hundreds of reviews to make sure you find the best fit. If you have questions about digital wallets, credit building, or any other topic related to credit cards, you can find answers the answers you need in the articles section of the site. Happy card hunting!