Apple Card Turns 5, Still U.S. Only

Yesterday marked the fifth anniversary of the Apple Card, which saw an official release on August 20, 2019. The ‌Apple Card‌ is Apple's first and only Apple-branded credit card, made available in partnership with Goldman Sachs.

apple card feature2
At launch, the ‌Apple Card‌ was only available in the United States, and today, five years later, it is still limited to the United States and has not expanded to additional countries. Just a month after the ‌Apple Card‌'s debut, Apple CEO Tim Cook said that Apple was interested in expanding the ‌Apple Card‌ to multiple countries, but that it would take time due to various regulations around the world.

There have been rumors of ‌Apple Card‌ talks in Europe, and Apple trademarked ‌Apple Card‌ in Europe, Hong Kong, and Canada, but no deals have emerged. ‌Apple Card‌ expanding to additional countries is even more up in the air with Apple's upcoming decoupling from Goldman Sachs.

Apple is planning to end its partnership with Goldman Sachs in 2025, and it will need to find a new ‌Apple Card‌ provider in the United States. Apple and Goldman Sachs ran into trouble with customer service issues for disputed ‌Apple Card‌ transactions, as well as complaints with wait times for Apple Savings account withdrawals.

Goldman Sachs even ended up being investigated by the U.S. Consumer Financial Protection Bureau because of customer complaints, which led to a souring of the bank's relationship with Apple. Goldman Sachs now plans to get out of consumer banking entirely.

The ‌Apple Card‌ is a no-fee credit card with no annual fees, no international fees, no fees for making a late payment, and no fees for exceeding a credit limit. There aren't consumer protections like one might get with an American Express card, but there is deep integration with the Wallet app for tracking spending.

Apple provides 1 percent Daily Cash back on all purchases, 2 percent for Apple Pay purchases, and 3 percent for ‌Apple Pay‌ purchases from the Apple Store. Daily Cash is sent to customers each day, hence the name.

Apple has not commented on the possibility of expanding ‌Apple Card‌ to additional countries in some time, and there is no word on whether that's still the plan.

Popular Stories

iPhone 17 Pro 3 4ths Perspective Aluminum Camera Module 1

New iPhone 17 Pro Details: Brighter Display, Best Battery Life, and More

Wednesday September 3, 2025 5:33 am PDT by
Apple's iPhone 17 Pro and iPhone 17 Pro Max models will feature a number of significant display, thermal, and battery improvements, according to new late-stage rumors. According to the Weibo leaker known as "Instant Digital," the iPhone 17 Pro models will feature displays with higher brightness, making it more suitable for use in direct sunlight for prolonged periods. The iPhone 16 Pro and...
iPhone 17 Pro in Hand Feature Lowgo

iPhone 17 Pro's Biggest Design Mystery is Finally Solved

Friday September 5, 2025 9:33 am PDT by
Apple is set to unveil the iPhone 17 series in just four days from now, and the biggest design mystery surrounding the Pro models has finally been solved. In a report outlining his expectations for Apple's event next week, Bloomberg's Mark Gurman said the iPhone 17 Pro models will have "a new cutout area on the bottom two-thirds of the phone that doubles as the wireless charging area."...
iPhone 16 Battery Life Feature

iOS 26's New Battery Life Mode is Limited to These iPhone Models

Wednesday September 3, 2025 1:19 pm PDT by
iOS 26 introduces an Adaptive Power Mode on the iPhone, alongside the existing Low Power Mode. Apple says Adaptive Power Mode can make "performance adjustments" when necessary to extend an iPhone's battery life, including slightly lowering the display brightness, allowing some activities to "take longer," and automatically turning on Low Power Mode when the iPhone's remaining battery life...
airpods pro 2

Two Versions of AirPods Pro 3 Coming With These Differences

Monday September 8, 2025 4:51 am PDT by
Apple is preparing to launch two versions of the AirPods Pro 3 over 2025 and 2026, according to a Weibo leaker. Yesterday, supply chain analyst Ming-Chi Kuo reported that Apple is planning to debut the AirPods Pro 3 this year. They could arrive as soon as this week at Apple's "Awe dropping" event. Crucially, Kuo added that Apple is planning to introduce a successor to this year's AirPods ...

Top Rated Comments

vegetassj4 Avatar
14 months ago
They could at least release new colors at this point.



Attachment Image

Attachment Image

Attachment Image
Score: 24 Votes (Like | Disagree)
jimbobb24 Avatar
14 months ago
One of the best products. Easy to pay and they seem to work to help you avoid interest. Categorizes purchases and so much more. Very happy with it.
Score: 23 Votes (Like | Disagree)
Newton1701 Avatar
14 months ago
Not the first. There was this line of credit card from the 80’s and 90’s, and a partnership for a MasterCard with another bank in the early 00’s. It got you extra points when shopping at Apple but that was about it, other than an Apple logo on it.

Attachment Image
Score: 23 Votes (Like | Disagree)
The_Auryn Avatar
14 months ago
People were amazed by the physical card when I used it in Croatia. They all wanted one.
Score: 15 Votes (Like | Disagree)
now i see it Avatar
14 months ago
Get a PayPal credit card instead. 3% cash back on any PayPal purchase. 1.5% cash back on everything else.
Score: 10 Votes (Like | Disagree)
LIVEFRMNYC Avatar
14 months ago
I don't even keep my card in my wallet. I just use Apple Pay with it, especially since it's higher rewards points.
Score: 10 Votes (Like | Disagree)