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Goldman SachsStarter
•••• •••• •••• 2465

Apple Card

Mastercard

Goldman Sachs・Mastercard・No.034

A painless entry card for iPhone users: relatively friendly approval and instant use.

✓ Fees checked · 2026-07-16 · apple.com
No fixed sign-up bonus

✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: apple.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.

Reward highlights

Who it's for

Best for iPhone users who want a simple, well-designed first card.

Good for

Key benefits

Rates & fees

APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.

Frequently asked questions

Does the Apple Card have an annual fee?

No, it has no annual fee and no foreign transaction fee.

What credit score do I need?

It is relatively accessible and can be approved with fair credit around the mid-600s.

Who is this card best for?

Best for iPhone users who want a simple, well-designed first card with instant use through Apple Pay.

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