The Apple Card is issued by Goldman Sachs Bank USA

3% cash back on Apple Pay purchase

APR 10.99% to 21.99%  No charges

Cash earned from purchases is credited to the Cash Card every day 

Apple card lives on your IPhone, in the Wallet app

Pay less interest. Unlimited daily cash.

Get 1% Daily Cash back on every purchase

The Apple Card does not offer a balance transfer option 

No over-the-limit fees