Apple Card

Apple Card is a credit card product introduced by Apple and launched in the United States in 2019. It is designed as a financial service integrated with the Apple ecosystem: users can apply for and manage the account through the Wallet app on iPhone, review spending activity, and use a physical titanium card for payments. Its principal features include spending categorization, visible fee information, Daily Cash rewards, and integration with Apple devices and services. Goldman Sachs provides the issuing and related financial services, while Mastercard operates the payment network. Rather than positioning itself as a conventional bank card, Apple Card emphasizes a simplified, software-centered credit-card experience connected to Apple hardware, software, and accounts, with a focus on transparency and privacy. The product is primarily available to consumers in the United States, subject to the terms set by Apple and the issuing bank.

Apple introduced Apple Card in 2019 as an effort to enter consumer financial products. The card was developed in partnership with Goldman Sachs, which provided issuing and related financial services, while Mastercard served as the payment network. Apple embedded account application and management into the Wallet app on iPhone, allowing users to review transactions, analyze spending categories, and manage payments through Apple devices, with a physical titanium card available as an additional payment method. At launch, the product emphasized no annual fee, understandable spending information, Daily Cash rewards, and privacy-oriented features. Apple Card has primarily served the U.S. market; eligibility, interest rates, credit approval, and account terms are determined by the relevant financial-services provider under applicable rules. Because it is built around the Apple ecosystem rather than a branch-based banking model, its brand experience centers on devices, software interfaces, and digital account management.

• 2019

  Apple Card launches in the U.S.

  [1]Apple Card is now available to customers in the USapple.com

  Apple partnered with Goldman Sachs to launch Apple Card, allowing users to apply for and manage their accounts via the Wallet app on iPhone.

A tech company brand credit card for U.S. consumers, emphasizing Apple Wallet integration, spending management, cash back, and privacy experience.

• Credit card · 2019

  Apple Card

  Apple Card is Apple's U.S.-focused credit card product, offered through a digital account and a physical titanium card. Users can apply, review spending, and manage the account in Wallet, with features including Daily Cash rewards.

• 2019

  Goldman Sachs responds to Apple Card discrimination allegations

  Goldman Sachs responded to allegations that men received higher Apple Card credit limits than their wives. According to the report, the bank said applicants are evaluated independently using factors including income, creditworthiness, credit scores, and debt. The report describes the allegations but does not establish that discrimination occurred.

  Source

• 2019

  New York regulator announces investigation into Goldman Sachs’ credit card business

  A spokesperson for the New York Department of Financial Services said the regulator would investigate Goldman Sachs’ credit card business to determine whether its credit-limit decisions violated state law. The announcement followed an allegation by David Heinemeier Hansson that the Apple Card algorithm gave him a much higher credit limit than his wife despite her higher credit score.

  Source

• 2019

  New York regulator announces investigation into Apple Card credit limits

  In November 2019, a spokesperson for the New York Department of Financial Services said the regulator would investigate whether Apple Card credit limits violated New York law and would ensure that consumers were treated equally regardless of gender. The statement, reported by Sina Finance, did not identify any specific individuals, allege any particular outcome, or specify a timeline for the inquiry. The announcement framed the review around compliance with state law and equal treatment of consumers.

  Source

Read more

• 2019

  Launch of Apple CardProduct launch

  Background

  Apple wanted to integrate credit card services into Apple devices and the Wallet app.

  Action taken

  Apple partnered with Goldman Sachs to launch a digital credit card and a physical titanium card in the U.S.

  Aftermath

  Apple Card became the credit card product in Apple's financial services portfolio, primarily serving the U.S. market.

  Source

• 2019

  Apple Card launched in the United States[1]Apple Card is now available to customers in the USapple.com

  Product launch

  Apple与高盛合作推出Apple Card，并通过Wallet应用提供申请和账户管理功能。

1. 1Apple Card is now available to customers in the USapple.com
2. 2Apple Card official websiteapple.com
3. 3Goldman Sachs responds to Apple Card discrimination allegationsfoxbusiness.com
4. 4New York regulator announces investigation into Goldman Sachs’ credit card businesstech.sina.com.cn
5. 5New York regulator announces investigation into Apple Card credit limitsfinance.sina.com.cn
6. 6Apple Card发行公司高盛遭调查 算法被指存性别歧视tech.sina.com.cn
7. 7AppleCard被指在确定额度时性别歧视 高盛遭监管调查finance.sina.com.cn
8. 8Government Investigates Apple’s Flawed Algorithm for Discriminationnewsbusters.org
9. 9Tim Cook Announces Apple Card Fee Free 24-Month iPhone Paymentsibtimes.com