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.

Top Rated Comments

nattK Avatar
34 months ago

i already wanna cancel this card
Then do it.
Score: 11 Votes (Like | Disagree)
G5isAlive Avatar
34 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
34 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
34 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
34 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
34 months ago
i already wanna cancel this card
Score: 3 Votes (Like | Disagree)

Popular Stories

airpods pro 2 1

AirPods Pro 2 No Longer Expected to Feature Built-In Heart Rate or Body Temperature Sensor

Sunday July 3, 2022 8:07 pm PDT by
While past rumors have indicated the upcoming second-generation AirPods Pro will feature a built-in heart rate and body temperature sensor, Bloomberg's Mark Gurman has cast doubt on those rumors turning out to be true, saying instead such a feature is unlikely to come anytime soon. "Over the past few months, there have been rumors about this year's model gaining the ability to determine a...
Apple Watch 8 Unreleased Feature Thumb

Apple Watch Series 8 Model Rumored to Feature 5% Larger Display

Monday July 4, 2022 5:50 am PDT by
Apple is working on an Apple Watch Series 8 model with a larger display, according to DSCC's Ross Young and Haitong International Securities's Jeff Pu. In October last year, Young suggested that the Apple Watch Series 8 could come in three display sizes. Now, responding to a query about the rumor on Twitter, Young claims that the additional display size joining the Apple Watch lineup will be ...
intel go pc justin long

Windows Laptop Makers 'Worried' About New MacBook Air Impacting Sales

Tuesday July 5, 2022 6:57 am PDT by
The upcoming launch of Apple's redesigned MacBook Air with the M2 chip has some Windows laptop manufacturers "worried" that sales of Intel-based laptops will be negatively affected, according to industry sources cited by DigiTimes. "A Wintel brand vendor pointed out that at a price point of US$1,000-$1,500, the MacBook Air will crowd out other high-end notebooks," the report claims, with...
European Commisssion

EU Approves Landmark Legislation to Regulate Apple and Other Big Tech Firms

Tuesday July 5, 2022 5:53 am PDT by
European Union lawmakers have approved landmark legislation to heavily regulate Apple, Google, Meta, and other big tech firms. The Digital Markets Act (DMA) and Digital Services Act (DSA) were proposed by the European Commission in December 2020. Now, collected in a "Digital Services Package," the legislation has been formally adopted by the European Parliament and seeks to address...
macbook air m2 order date feature

Apple Announces MacBook Air With M2 Chip Available to Order Starting July 8, Launches July 15

Wednesday July 6, 2022 4:59 am PDT by
Apple today announced that the new MacBook Air equipped with the M2 chip will be available to order starting Friday, July 8 at 5 a.m. Pacific Time. Apple said deliveries to customers and in-store availability will begin Friday, July 15. MacRumors exclusively reported that Apple planned to launch the new MacBook Air on July 15, and the date has now been confirmed by Apple. Customers will be...
top stories 2jul2022

Top Stories: M2 MacBook Air Release Date, New HomePod Rumor, and More

Saturday July 2, 2022 6:00 am PDT by
The M2 MacBook Pro has started making its way into customers' hands and we're learning more about how it performs in a variety of situations, but all eyes are really on the upcoming M2 MacBook Air which has seen a complete redesign and should be arriving in a couple of weeks. Other top stories this week included a host of product rumors including additional M2 and even M3 Macs, an updated...
Lockdown Mode Feature

Apple Announces New Lockdown Mode on iOS 16 With 'Extreme' Level of Security

Wednesday July 6, 2022 10:00 am PDT by
Apple today announced a new Lockdown Mode coming to the iPhone, iPad, and Mac with iOS 16, iPadOS 16, and macOS Ventura. Apple says the optional security feature is designed to protect the "very small number" of users who may be at risk of "highly targeted cyberattacks" from private companies developing state-sponsored spyware, such as journalists, activists, and government employees. Apple...
siri remote 3

Apple Releases Firmware Update for Apple TV Siri Remote

Tuesday July 5, 2022 12:10 pm PDT by
Apple today released new firmware for the Siri Remote designed for the Apple TV, updating the software from version 9M6772 to 10M1103. The software is for the redesigned Siri Remote that was released in May 2021, aka the gray remote with the updated interface. In the Apple TV settings, the new firmware will display as 0x0070, up from 0x0061. There is no word on what's new with the Apple TV...