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

AirPods Pro 3 Mock Feature

AirPods Pro 3 Just Months Away – Here's What We Know

Friday April 18, 2025 5:16 am PDT by
Despite being more than two years old, Apple's AirPods Pro 2 still dominate the premium wireless‑earbud space, thanks to a potent mix of top‑tier audio, class‑leading noise cancellation, and Apple's habit of delivering major new features through software updates. With AirPods Pro 3 widely expected to arrive in 2025, prospective buyers now face a familiar dilemma: snap up the proven...
iphone 17 air dummy unbox therapy

iPhone 17 Air's Extreme Thinness Demoed in New Video

Tuesday April 22, 2025 10:22 am PDT by
Apple plans to release an all-new super thin iPhone this year, debuting it alongside the iPhone 17, iPhone 17 Pro, and iPhone 17 Pro Max. We've seen pictures of dummy models, cases, and renders with the design, but Lewis Hilsenteger of Unbox Therapy today showed off newer dummy models that give us a better idea of just how thin the "iPhone 17 Air" will be. The iPhone 17 Air is expected to be ...
ipad air windows 11 arm

M2 iPad Air Runs Windows 11 ARM via Emulation, Thanks to EU Rules

Tuesday April 22, 2025 5:01 am PDT by
A developer has demonstrated Windows 11 ARM running on an M2 iPad Air using emulation, which has become much easier since the EU's Digital Markets Act (DMA) regulations came into effect. As spotted by Windows Latest, NTDev shared an instance of the emulation on social media and posted a video on YouTube (embedded below) demonstrating it in action. The achievement relies on new EU regulatory...
iphone 16 pro models 1

17 Reasons to Wait for the iPhone 17

Thursday April 17, 2025 4:12 am PDT by
Apple's iPhone development roadmap runs several years into the future and the company is continually working with suppliers on several successive iPhone models simultaneously, which is why we often get rumored features months ahead of launch. The iPhone 17 series is no different, and we already have a good idea of what to expect from Apple's 2025 smartphone lineup. If you skipped the iPhone...
iOS 18

iOS 18.5 Includes Only a Few Changes So Far

Monday April 21, 2025 11:00 am PDT by
Apple seeded the third beta of iOS 18.5 to developers today, and so far the software update includes only a few minor changes. The changes are in the Mail and Settings apps. In the Mail app, you can now easily turn off contact photos directly within the app, by tapping on the circle with three dots in the top-right corner. In the Settings app, AppleCare+ coverage information is more...
iphone 17 pro majin bu sky blue

iPhone 17 Pro Allegedly Coming in Sky Blue Color Used for MacBook Air

Tuesday April 22, 2025 4:08 am PDT by
Apple will unveil the iPhone 17 Pro in a new Sky Blue color, the same color that debuted on the latest M4 MacBook Air models Apple released in March. That's according to the leaker Majin Bu. Concept mockup from Majin Bu Writing on his website, Bu claims that "sources close to the supply chain confirm that several iPhone 17 Pro prototypes have been made in various colors, with Sky Blue...
maxresdefault

iPhone 17 Pro Launching Later This Year With These 12 New Features

Sunday April 13, 2025 7:52 am PDT by
While the iPhone 17 Pro and iPhone 17 Pro Max are not expected to launch until September, there are already plenty of rumors about the devices. Subscribe to the MacRumors YouTube channel for more videos. Below, we recap key changes rumored for the iPhone 17 Pro models as of April 2025: Aluminum frame: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and ...

Top Rated Comments

vegetassj4 Avatar
9 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
9 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
9 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
9 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
9 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
9 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)