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.


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

(View all)
Avatar
11 months ago


i already wanna cancel this card

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

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