Goldman Sachs Bank USAApple CardRegistry illustration · issuer artwork unavailable

Apple CardGoldman Sachs Bank USA · SM bank, MA · FDIC 33124

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

17.74%–27.99%

p.1variable

Balance transfer

—

Cash advance APR

—

Annual fee

p.1none

Foreign fee

Grace period

30 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 20.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 26.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 28.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	17.74%–27.99% variableGoldman Sachs Bank USA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“17.74% to 27.99% when you open your account, based on your creditworthiness and other factors. After that, this APR will vary with the market based on the Prime Rate. 1”Goldman Sachs Bank USA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	30 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Goldman Sachs Bank USA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”Goldman Sachs Bank USA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
Late payment	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

2025 Q4 Apple Card Customer Agreementpage 1 of 19

Your Apple Card Rates

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 17.74% to 27.99% when you open your account, based on your creditworthiness and other factors. After that, this APR will vary with the market based on the Prime Rate. 1 How to Avoid Paying Interest on Purchases · Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance (adjusted for any financing plan) by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore

Fees Annual Fee · None Transaction Fees · None Penalty Fees · None Other Fees · None

HOW WE WILL CALCULATE YOUR BALANCE:

We use the daily balance method (including new Transactions).

PRIME RATE:

Variable APRs are based on the 7.00% Prime Rate as of 10/31/2025.

We add 10.74% to 20.99% to the Prime Rate to determine the Purchase APR. 1

Variable APRs will not exceed 29.99%.

For New York residents: For more information, call Issuer at 877-255-5923. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. Contact the New York State Department of Financial Services at 1-800-342-3736 or http://www.dfs.ny.gov.

Apple Card Customer Agreement

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Goldman Sachs Bank USA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“17.74% to 27.99% when you open your account, based on your creditworthiness and other factors. After that, this APR will vary with the market based on the Prime Rate. 1”
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Goldman Sachs Bank USA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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Goldman Sachs Bank USA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Variable APRs will not exceed 29.99%.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Supporting source passages
- Page 9
  “Variable APRs may increase or decrease each month if the Prime Rate changes. Your Purchase Transactions APR is a variable rate. If the Prime Rate changes, the new variable APRs will take effect as of the first day of the next month and apply to existing and new balances. Any increase in the Prime Rate may result in an increase to your interest and Minimum Payment Due. Variable APRs will not excee…”
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Goldman Sachs Bank USA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance (adjusted for any financing plan) by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Cash Advance APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:goldman-sachs-bank-usa:apple-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Purchase APR
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Goldman Sachs Bank USA
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 33124
Branches: 5 in MA, NJ, NY, UT
Sources: Government dataset · 1 document · 1 page cited

Documents

2025 Q4 Apple Card Customer Agreementeffective date not parsed

Apple CardGoldman Sachs Bank USA · SM bank, MA · FDIC 33124

Rates and fees