Apple Card Now Appearing on Experian Credit Reports

Apple Card users are reporting the credit card is now showing up on Experian credit file reports. Reporting of Apple Card information was previously limited to credit bureau TransUnion (via Reddit).

apple card feature2
Though not officially confirmed by Apple or Goldman Sachs, several Reddit users have noticed the creditor addition to their Experian credit reports. Some users, however, have not seen any credit report changes, so the reporting may still be rolling out.

Like any credit card, Apple Card credit reporting can either positively or negatively impact users' credit scores based on how the card is used.

When the Apple Card card first launched last August, credit data was reported to neither of the three United States credit bureaus, and it wasn't until December that Goldman Sachs began reporting Apple Card information to TransUnion.

Although it appears Apple Card information is now being reported to both TransUnion and Experian, it remains to be seen as to when credit reporting may begin to Equifax.

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, a digital ‌Apple Card‌ will be ready for purchases immediately. A physical titanium-based Apple Card is also available for use at retail stores that do not accept contactless payments.

Key Apple Card features include color-coded spending summaries in the Wallet app, no fees beyond any applicable interest, and up to three percent cashback on purchases paid out daily.

Top Rated Comments

MrMacintoshIII Avatar
49 months ago
It’s simply the best credit card there is.
Score: 7 Votes (Like | Disagree)
PickUrPoison Avatar
49 months ago

Do you still have to pull out your phone to use it if you don't also have the Apple Watch?
Are you at all familiar with the subject you’re commenting on?



Attachment Image
Score: 7 Votes (Like | Disagree)
ajguckian Avatar
49 months ago
Hopefully we are getting closer to card sharing with our spouses.
Score: 4 Votes (Like | Disagree)
jaytv111 Avatar
49 months ago

No, which is why I ask.
So I'm guessing you can pay with the chip just like a normal card, got it.
It is a “normal card”. The only major functional difference from any other card is that the card number and expiration date and security code aren’t printed on the card. It also is not a contactless card, they expect you to use Apple Pay for contactless, but a lot of other cards have now gained contactless on the card itself.
Score: 4 Votes (Like | Disagree)
PickUrPoison Avatar
49 months ago

It’s simply the best credit card there is.
Not the best imo, but it’s better than most.

ETA: I’d love to know the reason for Goldman’s delay in reporting; I’d have a lot of trouble believing it could be a technical issue.
Score: 3 Votes (Like | Disagree)
az431 Avatar
49 months ago

Do you still have to pull out your phone to use it if you don't also have the Apple Watch?
No, you can transmit the card information telepathically to the card terminal


Are you at all familiar with the subject you’re commenting on?
It's an internet forum, so no, why would he.
Score: 3 Votes (Like | Disagree)

Popular Stories

iOS 18 Siri Integrated Feature

iOS 18 Will Add These New Features to Your iPhone

Friday April 12, 2024 11:11 am PDT by
iOS 18 is expected to be the "biggest" update in the iPhone's history. Below, we recap rumored features and changes for the iPhone. iOS 18 is rumored to include new generative AI features for Siri and many apps, and Apple plans to add RCS support to the Messages app for an improved texting experience between iPhones and Android devices. The update is also expected to introduce a more...
iGBA Feature

Game Boy Emulator for iPhone Now Available in App Store Following Rule Change [Removed]

Sunday April 14, 2024 8:06 am PDT by
A week after Apple updated its App Review Guidelines to permit retro game console emulators, a Game Boy emulator for the iPhone called iGBA has appeared in the App Store worldwide. The emulator is already one of the top free apps on the App Store charts. It was not entirely clear if Apple would allow emulators to work with all and any games, but iGBA is able to load any Game Boy ROMs that...
top stories 13apr2024

Top Stories: M4 Mac Roadmap Leaked, New iPads in Second Week of May, and More

Saturday April 13, 2024 6:00 am PDT by
Apple's hardware roadmap was in the news this week, with things hopefully firming up for a launch of updated iPad Pro and iPad Air models next month while we look ahead to the other iPad models and a full lineup of M4-based Macs arriving starting later this year. We also heard some fresh rumors about iOS 18, due to be unveiled at WWDC in a couple of months, while we took a look at how things ...
new best buy blue

Best Buy Opens Up Sitewide Sale With Record Low Prices on M3 MacBook Air, iPad, and Much More

Saturday April 13, 2024 7:41 am PDT by
Best Buy this weekend has a big sale on Apple MacBooks and iPads, including new all-time low prices on the M3 MacBook Air, alongside the best prices we've ever seen on MacBook Pro, iPad, and more. Some of these deals require a My Best Buy Plus or My Best Buy Total membership, which start at $49.99/year. In addition to exclusive access to select discounts, you'll get free 2-day shipping, an...
iGBA Feature

Apple Removes Game Boy Emulator iGBA From App Store Due to Spam and Copyright Violations

Sunday April 14, 2024 9:22 pm PDT by
Apple today said it removed Game Boy emulator iGBA from the App Store for violating the company's App Review Guidelines related to spam (section 4.3) and copyright (section 5.2), but it did not provide any specific details. iGBA was a copycat version of developer Riley Testut's open-source GBA4iOS app. The emulator rose to the top of the App Store charts following its release this weekend,...
iOS 18 Siri Integrated Feature

Apple's First AI Features in iOS 18 Reportedly Won't Use Cloud Servers

Sunday April 14, 2024 9:52 am PDT by
Apple's first set of new AI features planned for iOS 18 will not rely on cloud servers at all, according to Bloomberg's Mark Gurman. "As the world awaits Apple's big AI unveiling on June 10, it looks like the initial wave of features will work entirely on device," said Gurman, in the Q&A section of his Power On newsletter today. "That means there's no cloud processing component to the...