Thousands of Apple Retail Workers Now Testing Apple Card Ahead of Summer Launch

Ahead of the Apple Card's planned summer launch, Apple is now testing its upcoming Goldman Sachs credit card with thousands of retail workers, reports Bloomberg.

Apple was previously allowing its corporate employees to test the ‌Apple Card‌, but is now expanding testing to a much larger group through an internal beta program that launched this week.

apple card titanium and app
Employees are able to sign up directly from their personal devices, with the Apple Pay portion of the card activated immediately and a card scheduled to be sent within two to three weeks. Employees are receiving APRs between 13.24 percent and 24.24 percent, the same APR range that will be provided to consumers.

With thousands of retail workers available, the expansion marks the first wide scale test, allowing Apple to find and address bugs and other problems before the ‌Apple Card‌ launches to the public.

Apple employees have been asked not to discuss the card, but they are allowed to use it in public to make purchases.

Screenshots of the employee beta of the Apple Card show that test versions of the card are fully functional and include the ability to receive daily cash back, pay bills, see an order status for a physical card and receive technical support via text messaging. Users can also schedule payments, access their credit limit and manage connected bank accounts, among other tasks. Users will also have the ability to set the Apple Card as the default payment method for Apple purchases.

The ‌Apple Card‌, created in partnership with Goldman Sachs, is deeply integrated into the iPhone and the Apple ecosystem. It offers 3% cash back on Apple purchases, 2% cash back on all ‌Apple Pay‌ transactions, and 1% cash back on all other purchases.

Purchases are tracked in the Wallet app on the ‌iPhone‌, providing a breakdown of spending across different categories like health, food, shopping, and more. While the ‌Apple Card‌ offers higher rewards for ‌Apple Pay‌ purchases, for instances where a traditional purchase is required, Apple is providing customers with a physical card made from titanium.

Apple is planning to launch the ‌Apple Card‌ in the United States this summer, and Bloomberg says Apple has already been discussing an expansion into Europe with financial regulators. The employees using the card are running iOS 12.4 on their devices, and the iOS 12.4 update is expected to bring ‌Apple Card‌ support.

We've had four betas of iOS 12.4 so far, so a launch may not be too far off.

For a look at the ‌Apple Card‌ and what to expect when it launches, make sure to check out our dedicated Apple Card guide.

Popular Stories

iphone 16 pro ghost hand

5 Reasons to Skip This Year's iPhone 17 Pro

Thursday July 10, 2025 4:54 am PDT by
Apple will launch its new iPhone 17 series in two months, and the iPhone 17 Pro models are expected to get a new design for the rear casing and the camera area. But more significant changes to the lineup are not expected until next year, when the iPhone 18 models arrive. If you're thinking of trading in your iPhone for this year's latest, consider the following features rumored to be coming...
apple tv 4k new orange

New Apple TV Expected Later This Year With These New Features

Saturday July 12, 2025 3:09 pm PDT by
A new Apple TV is expected to be released later this year, and a handful of new features and changes have been rumored for the device. Below, we recap what to expect from the next Apple TV, according to rumors. Rumors Faster Wi-Fi Support The next Apple TV will be equipped with Apple's own combined Wi-Fi and Bluetooth chip, according to Bloomberg's Mark Gurman. He said the chip supports ...
macbook pro blue green

M5 MacBook Pro No Longer Coming in 2025

Thursday July 10, 2025 12:38 pm PDT by
Apple does not plan to refresh any Macs with updated M5 chips in 2025, according to Bloomberg's Mark Gurman. Updated MacBook Air and MacBook Pro models are now planned for the first half of 2026. Gurman previously said that Apple would debut the M5 MacBook Pro models in late 2025, but his newest report suggests that Apple is "considering" pushing them back to 2026. Apple is now said to be...
iPhone 17 Pro in Hand Feature Lowgo

iPhone 17 Pro Coming Soon With These 16 New Features

Friday July 11, 2025 12:40 pm PDT by
Apple's next-generation iPhone 17 Pro and iPhone 17 Pro Max are only two months away, and there are plenty of rumors about the devices. Below, we recap key changes rumored for the iPhone 17 Pro models. Latest Rumors These rumors surfaced in June and July:A redesigned Dynamic Island: It has been rumored that all iPhone 17 models will have a redesigned Dynamic Island interface — it might ...
iphone 16 pro pro max

iPhone 17 Pro Models With BOE Displays Will Be Sold in China Only

Thursday July 10, 2025 11:59 pm PDT by
iPhone 17 Pro and iPhone 17 Pro Max models with displays made by BOE will be sold exclusively in China, according to a new report. Last week, it emerged that Chinese display manufacturer BOE was aggressively ramping up its OLED production capacity for future iPhone models as part of a plan to recapture a major role in Apple's supply chain. Now, tech news aggregator Jukan Choi reports...
apple wallet drivers license feature iPhone 15 pro

Apple Says iPhone Driver's Licenses Will Expand to These 8 U.S. States

Tuesday July 8, 2025 11:26 am PDT by
In select U.S. states, residents can add their driver's license or state ID to the Wallet app on the iPhone and Apple Watch, providing a convenient and contactless way to display proof of identity or age at select airports and businesses, and in select apps. Unfortunately, this feature continues to roll out very slowly since it was announced in 2021, with only nine U.S. states, Puerto Rico,...
iPhone 17 Air Colors Thumb 2

iPhone 17 and iPhone 17 Air Rumored to Come in These 9 Colors

Friday July 11, 2025 12:30 am PDT by
The iPhone 17 and iPhone 17 Air will be available in a total of nine color options, according to new information coming out of Asia. The iPhone 17 Air's expected color options. According to the leaker going by the account name "yeux1122" on the Korean blog Naver, accessory manufacturers are now producing camera protector rings for the iPhone 17 and iPhone 17 Air in colors to match their...
11th gen ipad blue

Apple to Launch New Low-Cost 11-Inch iPad in the Spring

Friday July 11, 2025 3:40 am PDT by
Apple will launch a new 12th generation entry-level iPad in the spring of next year, according to Bloomberg's Mark Gurman. Apple is said to have two versions of the entry-level 11-inch iPad in development, codenamed J581 and J582. These could refer to different storage capacities – in which case, Apple may be planning to drop the existing lowest capacity option. The current iPad 11 is...

Top Rated Comments

gaximus Avatar
79 months ago
It's really nothing special. It's a ****ing cashback card like basically everyone has in their wallet. From a bank (here Goldman), like everyone else has (Citi, Chase...). With an app (like ... yea... all of the banks)
You have a card that gives cash back the same day, without having to do anything. And that same card has no late fees, overdraft fees, or cash advance fees? And that card has no printed card numbers on it so that if it's stolen or lost it can't be used? It's nothing like the card currently in anyones wallet.
Score: 28 Votes (Like | Disagree)
newyorksole Avatar
79 months ago
So, employees are taking a hard hit / pull to test Apple’s CC ! lol
Think about all the family/friends of Apple employees that ask them to use their discount. Think about the employee putting all of those purchases on the Apple Card, getting instant cash back and having their friend/family just transfer them the cash.

Now does the Apple Card seem worth it for Apple employees?

Idk why some of you love to find ways to hate on LITERALLY everything Lol it’s nuts. Let people enjoy things.
Score: 23 Votes (Like | Disagree)
Kaibelf Avatar
79 months ago
I hope parts are replaceable... :)
Clearly that card will get low ratings from iFixit.
Score: 23 Votes (Like | Disagree)
JetTester Avatar
79 months ago
Testing is a good thing! Just ask Samsung.
Score: 21 Votes (Like | Disagree)
thadoggfather Avatar
79 months ago
how much 'testing' can be done on retail wages?
Score: 20 Votes (Like | Disagree)
NickName99 Avatar
79 months ago
iFixit will give it a scathing 1/10 repairability score
Score: 17 Votes (Like | Disagree)