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 34ths Perspective

iPhone 17 Pro Launching Later This Year With These 10 New Features

Sunday March 23, 2025 10:00 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. Below, we recap key changes rumored for the iPhone 17 Pro models as of March 2025: Aluminum frame: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and iPhone 16 Pro models have a titanium frame, and the iPhone ...
iOS 18

iOS 18.4 Expected Next Week - Here Are the Release Notes

Friday March 28, 2025 2:01 pm PDT by
With the second release candidate of iOS 18.4 that Apple seeded out today, the company finally provided us with release notes that give a full rundown on what to expect. There's an Apple Vision Pro app, new Apple Intelligence features for notifications and additional language support, plus an Apple News Food feature for Apple News+ subscribers, and several updates that should improve the...
Magic Mouse Green

What to Expect From the Magic Mouse 3

Saturday March 29, 2025 10:15 am PDT by
Apple is reportedly working on a new Magic Mouse. Below, we recap what to expect. The two key rumors for the Magic Mouse 3 so far include a relocated charging port, along with a more ergonomic design. It was briefly rumored that the Magic Mouse 3 would also feature voice control, but that was misinterpreted information. Relocated Charging Port While the Magic Mouse switched from...
top stories 2025 03 29

Top Stories: WWDC 2025 Announced, iPhone 17 Pro and iOS 19 Rumors, and More

Saturday March 29, 2025 6:00 am PDT by
Apple's big developer event is a little over two months away, and rumors about what we can expect to see in Apple's next major operating system updates are becoming increasingly frequent. A public release of iOS 18.4 is also imminent with a number of updates and improvements, although we won't be getting the major Apple Intelligence Siri upgrades that had reportedly been planned for this...
Foldable iPhone 2023 Feature Homescreen

Six Things to Know About Apple's Upcoming Foldable iPhone

Friday March 28, 2025 3:54 pm PDT by
We've been hearing rumors about a foldable iPhone for almost a decade now, but it looks like we might finally see the device come to fruition in 2026. We're going to be waiting many more months for the foldable iPhone, but so far we're hearing good things. Apple wants to make it creaseless. It's taken Apple multiple years to design a foldable iPhone that it's satisfied with because Apple ...
iOS 19 visionOS UI Elements

Apple Codename Provides Clue About iOS 19's Rumored New Design

Sunday March 30, 2025 6:40 am PDT by
Multiple sources have claimed that iOS 19 will introduce a new design with more translucent buttons, menus, notification banners, and more, and there is now another clue that points towards this glass-like appearance. Bloomberg's Mark Gurman today said the new design project is codenamed "Solarium" internally. A solarium is a room with glass walls that allow in plenty of sunlight, so this...
ipad pro 2024

Gurman: New iPad Pro and MacBook Pro Models With M5 Chips to Launch Later This Year

Sunday March 30, 2025 6:06 am PDT by
Apple's next-generation iPad Pro models with the M5 chip will "launch this year," according to Bloomberg's Mark Gurman. In his Power On newsletter today, Gurman said the new iPad Pro models have progressed to an "advanced testing" stage, and he expects mass production of the devices to begin in the second half of this year. If that timeframe is met, the new iPad Pro models could launch...
Facebook Feature

Facebook's New iPhone App Feature Turns the Clock Back to 2007

Thursday March 27, 2025 1:59 pm PDT by
In the mid-to-late 2000s, Facebook was all about staying connected with friends and family. However, as the social media platform added new features and grew over time, that core experience began to get drowned out. That changes starting now, according to Meta, which today introduced a new feature that will "bring back the joy" of classic Facebook. Specifically, Meta has redesigned the...

Top Rated Comments

vegetassj4 Avatar
8 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
8 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
8 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
8 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
8 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
8 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)