Apple Card Issuer Transition

Apple and Chase have announced that Chase will become the new issuer of Apple Card, with an expected transition in approximately 24 months.¹

During this transition, existing Apple Card users can continue to use their card as they normally do and enjoy the full Apple Card experience. This includes earning up to 3 percent unlimited Daily Cash back on every purchase, easy-to-navigate spending tools, Apple Card Family², access to a high-yield Savings account³, and more. If you do not yet have an Apple Card account, you can apply for Apple Card today.

The following provides more information on using Apple Card during the transition period. Additional details regarding the transition will be shared with all Apple Card users as the transition date approaches.

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What does this move from Goldman Sachs to Chase mean for users?

Apple Card users can continue to use their card as they normally do during the transition. Additional information will be shared as the transition date approaches.

Do I need to apply for a new Apple Card?

Existing Apple Card users do not need to reapply. If you do not have Apple Card yet, you can apply today.

How will I manage my Apple Card account?

Apple Card users can continue to manage their Apple Card account in the Wallet app and on card.apple.com.

What will happen to my existing Apple Card balance?

Once the transition is complete, Apple Card balances for open accounts will be with Chase. Until then, users should continue to pay their balance as they do today.

Will my card information change?

Apple Card users can continue to use their card as they normally do during the transition. Specifics regarding card number changes, if any, will be communicated directly to users as the transition date approaches.

Do I need a new physical Apple Card?

During the transition, users can continue to use their existing physical Apple Card as normal. Any changes or additional information regarding new physical cards will be shared with Apple Card users as the transition date approaches.

Will Daily Cash rewards be impacted?

Users will continue to earn up to 3 percent unlimited Daily Cash back on every purchase.

Will my Savings account be impacted?

Apple Card users will continue to have access to Savings.³ Further information regarding Savings will be communicated with users as the transition date approaches.

Will Apple Card Monthly Installments (ACMI) still be available?

Apple Card users can continue to purchase Apple products with Apple Card Monthly Installments when they choose to check out with ACMI at Apple Store locations, apple.com, and the Apple Store app.⁴

Will Apple Card continue to have no fees?

Apple Card will continue to have no fees⁵ — no annual fees, no late fees, no foreign transaction fees.

Who will be the payment network for Apple Card?

Mastercard will continue to be the payment network.

Who do I contact to get help with my Apple Card?

Users can continue to contact Apple Card support from the Wallet app or by visiting support.apple.com/apple-card. Goldman Sachs will continue to service Apple Card users until the transition to Chase is complete.

Will this transition affect how Apple Card appears on my credit report?

Once the transition takes place, users’ credit reports will update to show Chase as the new issuing bank of Apple Card.

How will this affect my privacy and data?

Apple's commitment to privacy and security remains unchanged. We are working closely with Chase and Goldman Sachs to ensure a seamless and secure transition of account data.

Is there anything required from me to migrate my account to Chase?

Not at this time. Any changes or additional details will be shared directly with Apple Card users as the transition date approaches.

The transition to Chase as the issuer of Apple Card is subject to closing conditions and regulatory approvals.
Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.
To access Savings, Apple Card Owners and Co-Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Savings is available to Apple Card Owners and Co-Owners, subject to eligibility requirements.
Apple Card Monthly Installments (ACMI) is a 0% APR payment option that is only available if you select it at checkout in the U.S. for eligible products purchased at Apple and is subject to credit approval and credit limit. See https://support.apple.com/en-us/102730 for more information about eligible products. Additional limits and restrictions apply. See the Apple Card Customer Agreement for more information about ACMI.
Variable APRs for Apple Card range from 17.49% to 27.74% based on creditworthiness. Rates as of January 1, 2026. Existing customers can view their variable APR in the Wallet app or card.apple.com.

Existing customers can view their variable APR in the Wallet app or card.apple.com. Late or missed payments will result in additional interest accumulating toward your balance.
Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.
Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.