Apple Card Beginning to Show Up on Credit Reports, APR Range Lowered

Nearly four months after rolling out in the United States, the Apple Card is now beginning to appear on credit reports.

apple card with iphone
Goldman Sachs has confirmed that it is working with credit bureau TransUnion to begin reporting Apple Card information, informing cardholders that they will see full details on their credit report within the next five days. This includes the date the Apple Card account is opened, credit balance, payment status, and more.

In other words, like any other credit card, the way you use your Apple Card can now have an impact on your credit score.

Last month, Apple CEO Tim Cook opined that the Apple Card has been the "most successful launch of a credit card in the United states ever," although that was before allegations surfaced of gender bias during the approval process. Goldman Sachs has since offered to reevaluate credit limits.

To apply for an Apple Card, simply open the Wallet app on an iPhone running iOS 12.4 or later, tap the plus button in the top-right corner, and follow the on-screen steps. The process takes just a few minutes, and if approved, your digital Apple Card will be ready for purchases immediately.


Apple Card offers 3% cashback at a growing number of merchants, including Apple, Nike, Uber, Uber Eats, Walgreens, Duane Reade, and T-Mobile.

Update: Apple Card's variable APR range has been lowered to 12.49%-23.49% based on creditworthiness as of December 1, 2019, down from 12.74%-23.74% as of October 1, 2019, according to fine print on Apple's website. Thanks to MacRumors reader Scott Overfield for the tip.

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 ...
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 ...
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 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...
Apple Watch Ultra 2 Complications

Apple Watch Ultra 3: What to Expect

Sunday July 13, 2025 10:30 am PDT by
The long wait for an Apple Watch Ultra 3 is nearly over, and a handful of new features and changes have been rumored for the device. Below, we recap what to expect from the Apple Watch Ultra 3:Satellite connectivity for sending and receiving text messages when Wi-Fi and cellular coverage is unavailable 5G support, up from LTE on the Apple Watch Ultra 2 Likely a wide-angle OLED display that ...

Top Rated Comments

nattK Avatar
73 months ago

i already wanna cancel this card
Then do it.
Score: 11 Votes (Like | Disagree)
G5isAlive Avatar
73 months ago
yep I got an alert yesterday saying I had just opened a new credit card.. I was like WTF? then saw it was Goldman's and figured they were just behind the times. Good to get confirmation.
Score: 5 Votes (Like | Disagree)
az431 Avatar
73 months ago

i already wanna cancel this card
I suspect you don't actually have the card, and are just trolling. There are cards that offer better benefits for narrow niches such as frequent flyers of certain airlines, but for the average person this card offers the best blend of usable rewards. Plus it's far more secure, convenient, and easier to track purchases. The only other card I used is Amazon rewards, and only when making purchases on Amazon since it pays 5%. For most other purchases, the Amazon card pays around the same.
Score: 5 Votes (Like | Disagree)
fmcshan Avatar
73 months ago
Finally! My account has been open since August and I was wondering why it hadn’t shown up yet. Besides that, my experience with Apple Card has been fairly positive thus far.
Score: 4 Votes (Like | Disagree)
SVTmaniac Avatar
73 months ago

Wow, that's really late. I usually get a credit alert the second I click on the submit button online.
You get an immediate alert when there is a hard inquiry. Some companies take up to two statement cycles to actually report a new account though. Capital One comes to mind, they take two statements before adding a new credit card account to your reports. Some companies, like Synchrony will report a new account almost immediately. It all just depends.
Score: 3 Votes (Like | Disagree)
jetjaguar Avatar
73 months ago
i already wanna cancel this card
Score: 3 Votes (Like | Disagree)