Apple Card Beginning To Show Up On Credit Reports, APR Range ...

Skip to ContentOpen Menu

• Front Page
• Roundups Show Roundups
  • AirPods 4
  • AirPods Max
  • AirPods Pro 3
  • AirTag
  • Apple Deals
  • Apple Pay
  • Apple Pro Display XDR
  • Apple Studio Display
  • Apple TV
  • Apple Vision Pro
  • Apple Watch 11
  • Apple Watch SE 3
  • Apple Watch Ultra 3
  • CarPlay
  • HomePod
  • HomePod mini
  • iMac
  • iOS 26
  • iPad
  • iPad Air
  • iPad mini
  • iPad Pro
  • iPadOS 26
  • iPhone 16
  • iPhone 17
  • iPhone 17 Pro
  • iPhone 17e
  • iPhone 18
  • iPhone Air
  • Mac mini
  • Mac Pro
  • Mac Studio
  • MacBook Air
  • MacBook Pro
  • macOS Tahoe
  • watchOS 26
• Guides
• How Tos
• Reviews
• Buyer's Guide
• ForumsForums Show Forums menu
  • Login
  • Register
  • New Posts
  • Visit Forums

Visit Forums

• New Posts
• Login
• Register
• Visit Forums

• Alerts
• Direct messages
• Watched
• New Posts
• Visit Forums

Open Sidebar

• AirTag
• iPhone 17e
• iPhone 18
• iOS 26
• macOS Tahoe
• iPadOS 26
• iPhone 17
• iPhone 17 Pro
• MacBook Pro
• iMac
• Mac mini
• HomePod
• Apple TV
• iPad Pro
• iPhone Air
• Apple Vision Pro
• iPhone 16
• AirPods 4
• Apple Pro Display XDR
• Apple Watch Ultra 3
• HomePod mini
• Mac Pro
• MacBook Air
• iPad
• AirPods Max
• AirPods Pro 3
• Apple Deals
• Apple Studio Display
• Apple Watch 11
• Apple Watch SE 3
• Mac Studio
• iPad Air
• iPad mini
• CarPlay
• Apple Pay
• watchOS 26

All >

• Front Page
• Roundups
• Guides
• How Tos
• Reviews
• Buyer's Guide
• Upcoming Products
• Forums
• Archives
• Tips / Contact Us

Apple Card Beginning to Show Up on Credit Reports, APR Range LoweredThursday December 5, 2019 5:57 am PST by Joe Rossignol

Nearly four months after rolling out in the United States, the Apple Card is now beginning to appear on credit reports.

Goldman Sachs has confirmed that it is working with credit bureau TransUnion to begin reporting Apple Card information, informing cardholders that they will see full details on their credit report within the next five days. This includes the date the Apple Card account is opened, credit balance, payment status, and more.

In other words, like any other credit card, the way you use your Apple Card can now have an impact on your credit score.

Last month, Apple CEO Tim Cook opined that the Apple Card has been the "most successful launch of a credit card in the United states ever," although that was before allegations surfaced of gender bias during the approval process. Goldman Sachs has since offered to reevaluate credit limits.

To apply for an Apple Card, simply open the Wallet app on an iPhone running iOS 12.4 or later, tap the plus button in the top-right corner, and follow the on-screen steps. The process takes just a few minutes, and if approved, your digital Apple Card will be ready for purchases immediately.

We have been working with TransUnion to begin reporting your Apple Card information. Within the next 5 days, you will see the full details on your credit report. — GS Bank Support (@gsbanksupport) December 5, 2019

#AppleCard showed up on my credit report today. pic.twitter.com/7nYhemuqeE — Dongjun (@dongjunzhao) December 4, 2019

Apple Card offers 3% cashback at a growing number of merchants, including Apple, Nike, Uber, Uber Eats, Walgreens, Duane Reade, and T-Mobile.

Update: Apple Card's variable APR range has been lowered to 12.49%-23.49% based on creditworthiness as of December 1, 2019, down from 12.74%-23.74% as of October 1, 2019, according to fine print on Apple's website. Thanks to MacRumors reader Scott Overfield for the tip.

Tags: Apple Card Guide, Goldman Sachs[ 41 comments ]Share

Get weekly top MacRumors stories in your inbox.

Popular Stories

Apple Accidentally Leaks 'MacBook Neo'

Tuesday March 3, 2026 7:00 am PST by Joe RossignolApple appears to have prematurely revealed the name of its rumored lower-cost MacBook model, which is expected to be announced this Wednesday. A regulatory document for a "MacBook Neo" (Model A3404) has appeared on Apple's website. Unfortunately, there are no further details or images available yet. While the PDF file does not contain the "MacBook Neo" name, it briefly appeared in a link...Read Full Article • 246 comments

Apple Unveils Two New Products

Monday March 2, 2026 7:49 am PST by Joe RossignolApple today introduced two new devices, including the iPhone 17e and an updated iPad Air. iPhone 17e features the same overall design as the iPhone 16e, but it gains Apple's A19 chip, MagSafe for magnetic wireless charging and magnetic accessories, Apple's second-generation C1X modem for faster 5G, and a doubled 256GB of base storage. In the U.S., the iPhone 17e starts at $599, just like the ...Read Full Article

Apple Announces iPhone 17e With A19 Chip, MagSafe, and More

Monday March 2, 2026 6:07 am PST by Hartley CharltonApple today announced the iPhone 17e, featuring the A19 chip, MagSafe connectivity, faster charging, and more. The iPhone 17e contains the A19 chip introduced in iPhone 17. It features a 6-core GPU and a 4-core GPU. Apple pointed out that this makes it up to 2x faster than the iPhone 11. The new 16-core Neural Engine is optimized for large generative models. The iPhone 17e also contains...Read Full Article • 234 comments

Top Rated Comments

nattK82 months ago

i already wanna cancel this card

Then do it.Score: 11 Votes (Like | Disagree)G5isAlive82 months agoyep I got an alert yesterday saying I had just opened a new credit card.. I was like WTF? then saw it was Goldman's and figured they were just behind the times. Good to get confirmation.Score: 5 Votes (Like | Disagree)az43182 months ago

i already wanna cancel this card

I suspect you don't actually have the card, and are just trolling. There are cards that offer better benefits for narrow niches such as frequent flyers of certain airlines, but for the average person this card offers the best blend of usable rewards. Plus it's far more secure, convenient, and easier to track purchases. The only other card I used is Amazon rewards, and only when making purchases on Amazon since it pays 5%. For most other purchases, the Amazon card pays around the same.Score: 5 Votes (Like | Disagree)fmcshan82 months agoFinally! My account has been open since August and I was wondering why it hadn’t shown up yet. Besides that, my experience with Apple Card has been fairly positive thus far.Score: 4 Votes (Like | Disagree)SSVTmaniac82 months ago

Wow, that's really late. I usually get a credit alert the second I click on the submit button online.

You get an immediate alert when there is a hard inquiry. Some companies take up to two statement cycles to actually report a new account though. Capital One comes to mind, they take two statements before adding a new credit card account to your reports. Some companies, like Synchrony will report a new account almost immediately. It all just depends.Score: 3 Votes (Like | Disagree)jetjaguar82 months agoi already wanna cancel this cardScore: 3 Votes (Like | Disagree)Read All Comments

Next Article

These Macs Can't Run the Studio Display XDR at 120Hz

Guides

iOS 26 Features

Our comprehensive guide highlighting every major new addition in iOS 26, plus how-tos that walk you through using the new features.

iOS 26.3 Features

Transfer to Android tool, new weather wallpapers, and more.

50 macOS Tahoe Features

New features and lesser-known changes to check out if you're upgrading.

iPhone 17 vs iPhone 17 Pro vs iPhone Air

Apple's four new iPhones feature more differences between the latest models than ever before, so which one should you buy?

• Apple Intelligence Guide • Image Playground Guide • iPhone Mirroring Not Working? • 21 Time-Saving iPhone Tips • 14 macOS Tips to Make Your Life Easier • One AirPod Not Working? See more guides

Upcoming

iPhone 17e Pre-order March 4

A19 chip, MagSafe support, doubled 256GB base storage, and new soft pink color option.

M4 iPad Air Pre-order March 4

M4 chip with 12GB memory, N1 networking chip with Wi-Fi 7, and C1X modem on cellular models.

Apple TV Early 2026?

Upgrade to A17 or newer chip with Apple Intelligence support, plus Apple's new N1 wireless networking chip.

Smart Home Hub Early 2026?

Squarish 7-inch screen for controlling smart home products, listening to music, making video calls, and more.

• HomePod mini • Low-Cost MacBook • MacBook Air • MacBook Pro • Studio Display • Mac mini • Mac Studio • Foldable iPhone • iPhone 18 Pro See full product calendar

Other Stories

Apple Announced These Four New Products Today

1 hour ago by Joe Rossignol

iPhone 17e Solves iPhone 16e's Biggest Limitation

22 hours ago by Joe Rossignol

Here's Everything Apple Unveiled Today

1 day ago by Joe Rossignol

Apple Unveils Two New Products

1 day ago by Joe Rossignol

iPhone 17e Comes in These Three Colors

1 day ago by Tim Hardwick