Goldman Sachs Credit Cards

1,334 Reviews

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Please find below credit cards offered by Marcus by Goldman Sachs.

Goldman Sachs Credit Cards

Apple Card

3.3 out of 5 rating781 Reviews

3.3 out of 5 rating781 Reviews

2.8WalletHub Rating

WalletHub Rating

2.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.5

User Reviews

3.3

Market Comparison

2.7

fees: 5.0

rewards: 1.8

cost: 2.7

Other Features: 0.0

Purchase Intro APR0% for 6 - 24 months

Transfer Intro APRNot Offered

Regular APR17.74% - 27.99% (V)

Purchase Intro APR

0% for 6 - 24 months

Transfer Intro APR

Not Offered

Regular APR

17.74% - 27.99% (V)

annual fee

rewards rate

1 - 3% Cash Back

minimum credit

Good

WalletHub's Take: The Apple Card is a good credit card for people who make a lot of purchases with Apple Pay, and it’s easily worthwhile given its rewards and $0 annual fee. Apple purchases made with the card via Apple Pay yield 3% cash back, while other Apple Pay charges provide 2% back. Those cash back rewards are doled out the same day you make a qualifying purchase, and they can be redeemed for Apple Pay purchases, put toward the account balance, or messaged to friends and family.

Pros

No membership fees
0% intro APR on purchases
High rewards rate
No foreign fee

Cons

No initial rewards bonus
No balance transfers allowed
High regular APR
Requires good/excellent credit

Rewards Details

Every time customers use Apple Card with Apple Pay, they will receive 2% Daily Cash.
Customers will also get 3% Daily Cash back on all purchases made directly with Apple, including at Apple Stores, on the App Stores. Get 3% back on purchases you make at select merchants like Exxon, Nike, Uber and more, when you use your Apple Card with Apple Pay.
Apple has also designed a titanium Apple Card for shopping at locations where Apple Pay is not accepted yet. For purchases made with the titanium Apple Card, customers will get 1% Daily Cash.

Additional Info

Apple Card gives customers easy-to-understand, real-time views of their latest transactions and balance right in Wallet, and Apple Card support is available 24/7 by simply sending a text from Messages.
Equal Monthly Payment Financing: 0% APR for 6, 12 or 24 months on qualifying Apple purchases.

Pros, Cons, & Details

Compare

Marcus by Goldman Sachs Credit Card Reviews

3.1

What's Your Rating?

sbomason63
November 18, 2025 • @sbomason63

I was hacked and scammed. I informed Apple Card Goldman Sachs that the card needed to be closed. They did not, and let the hacker charge over $5,000.00. I have had nothing but trouble with this card and Goldman Sachs.

Product: Apple Card

Comment

Bokyung Park
October 1, 2025 • @qhrid1004

WORST CARD EVER. When they say “lock the card,” it only applies to the physical card — not online transactions. Over the last few months, I had multiple unauthorized transactions (different amounts but always from the same vendor, DoorDash). Despite following every recommendations they gave me — keeping my physical cards with me, logging out everywhere, resetting passwords for all accounts — the fraudulent charges continued, but only with the Apple Card online!!!!

Eventually, I realized they cannot handle security-related issues. In the end, I chose to close my account, then they charged me for all the disputed transactions that I never made. Completely unacceptable.

Product: Apple Card

Comment

fredda lickleat
September 9, 2025 • @chan05rtytf

Apple Card is forcing us into purchases without requiring a confirmation button and applying false charges for applications I did not want; therefore, I have lost money. Do not use this card; buyer, beware.

Product: Apple Card

Comment

peter pierce
August 29, 2025 • @peterpierce0531

I love this awesome-looking platinum card; it's impressive and feels cool to hold, and also has unique security features. I only wish I had an option to ask for a credit increase because I'd love to actually use it more, but I don't want my ratio too high.

Product: Apple Card

Comment

larrieuxjc
August 20, 2025 • @larrieuxjc

Worst Credit Card Ever. Very poor customer service. I wanted to have monthly statements sent to me; they refused. It takes them nearly a month and a half to process a payment. There are too many layers: Apple, then Goldman Sachs. After many recurring issues, I paid off the balance and closed the card. They never processed my last payment, and they never contacted me either. Only recently, after a credit report, I learned I have a delinquent status. So they reported me without ever sending me a statement, an email, or a letter. What makes it worse is that they changed my address on file to some other address and they wouldn't communicate to me the address on file, although they successfully verified my identity. Worst ever experience with Apple products. Believe me, all my phones have been iPhones, I have an iPad and a Mac. Stay away from the Apple Card.

Product: Apple Card

Comment

Bobby Lopez
August 10, 2025 • @codbl24

Love my Apple Card, enjoying it so far. The cash back is one of the best out there; it adds up quickly. Looking forward to having this card for a long time.

Product: Apple Card

Comment

myrongerhard
August 8, 2025 • @myrongerhard

My experience with the Apple Card is the worst I have ever had with a company. Here is why:

- Their policy is that if you return a product, they bill you for the Daily Cash they gave for the initial purchase. They don't simply deduct the Daily Cash from your total; they bill it as if you made a new purchase. You then owe that money on the next payment.

- The information on the iPhone app and on the website is not the same. Note that you cannot see transactions on the website. You cannot see Daily Cash totals on the iPhone app (you only see Daily Cash recently added). You have to switch back and forth between the two apps/sites to know the status of your account.

- I had to return one of the two MacBooks I purchased because the Apple Store accidentally sold me the same serial number twice. I spent 4 hours and 37 minutes in 9 phone calls to customer service (Goldman Sachs) before getting it resolved. They created 5 separate "tickets" in the process.

- When the customer service representative created a ticket, it had to go to the Goldman Sachs "back end" team. Those individuals sent me 4 emails saying there was no problem, the case was closed, and if I had any questions to call the general customer service number. They gave me no way and no opportunity to talk directly to the "back end" person to explain the situation. Each time I had to go back through the general customer service number, where they agreed there was a problem, but they could not solve it, could not talk to the "back end" team, and they just created yet another ticket, and we started all over.

In summary, their customer service approach is insulting, and their tools are amateurish. Goldman Sachs, whom Apple uses to support and manage the Apple Card, seems to have no interest in caring for the customer.

Product: Apple Card

Comment

Kevin Bush
August 1, 2025 • @kevin_bush2005

I like some things about this card but if you use it a lot they will start to stall your payments so you can’t even use the card for weeks at a time!!! When you call they say it’s because you have made an unusual payment amount!!! I have always made multiple payments in a month. I buy things and then turn around and pay them off before the interest hits. I guess that doesn’t make them money so they penalize me! So sick of this card….

Product: Apple Card

Comment

Josh_ygr
July 3, 2025 • @Josh_ygr

At first, this card seems great, with a decent interest rate and a nice credit limit. What they do not tell you, or what is written in fine print, is that they will hit you with double interest charges repeatedly, which they refer to as "trailing interest." On top of that, they charge your regular APR. With the double interest charges, it becomes very difficult to pay in full, and you might as well completely forget about the customer service, as it is terrible. I personally have several credit cards, none of which handle business or interest in this manner. If you value your credit and your future, avoid this card at all costs.

Product: Marcus by Goldman Sachs Credit Cards

Comment

Jonathan Kirkland
June 28, 2025 • @jonathan2000

Wow, fabulous card! I love it and I love Goldman Sachs for changing my credit journey drastically by extending me a credit limit which doubled my highest limit, raising my score about 40 points. Then four of my other nearly twenty cards drastically raised my limits as well, and I went up an entire rung on the credit ladder. Amazing what a little trust can enable for someone who has built and built for eleven years post-bankruptcy, and sacrificed and did without in order to get a mortgage and never need another landlord's permission for anything. I love my Apple Card. I use it for everything and, unfortunately, carry a balance, but keep it below 50%. That's the ticket to success: utilization at or below 30%, but each 10% less raises your score, so aim high to get below 80%, then 70%, then 50%. It's hard at 50%, but all your payments get smaller, and always at least pay the amount you want the balance reduced by, plus the amount of interest charged the previous month, and the balance will move down quicker and save you tons of interest. This card has a lower interest rate than most of my cards, but the ticket is to use it with special financing for Apple products for 18 months at 0% interest on a MacBook and such.

Product: Apple Card

Comment

Review Goldman Sachs Credit Cards

Questions & Answers

Get answers to your questions about Goldman Sachs Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

Is the Apple Card a credit card?

Chip Lupo, Credit Card Writer

Yes, the Apple Card is a credit card. The Apple Card is issued by Marcus by Goldman Sachs, works wherever Mastercard is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.

Key Facts About the Apple Card

Issuer: Marcus by Goldman Sachs
Network: Mastercard
Credit requirement: Good credit
Annual fee: $0
APR: 17.74% - 27.99% (V)
Foreign transaction fee: 0%
Rewards: 1 - 3% cash back

To sum things up, Apple Card is a credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits. You can learn more about this card from WalletHub's full review.

Upvotes

Is it hard to get the Apple Card?

Chip Lupo, Credit Card Writer

Yes, it is hard to get the Apple Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Apple Card.

In order to get the Apple Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to...

Upvotes

How do I apply for the Apple Card?

Adam McCann, Financial Writer

The only way to apply for the Apple Card is through the Wallet app on an iOS device, such as an iPhone or iPad. Other than making you sign in to iCloud, the application itself is pretty similar to any other credit card application. Applying should only take a few minutes.

How to Apply for the Apple Card:

Update your Apple device to the latest iOS version.
Make sure there is no freeze on...

Upvotes

What is the Apple Credit Card credit score requirement?

Maria Adams, Credit Cards Moderator

The Apple Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Apple Card.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Apple Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you...

Upvotes

How can I log in to Apple Card account online?

Chip Lupo, Credit Card Writer

You can log in to your Apple Card account by going to the login page on the Apple website or Wallet App and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.

How to Register for Online Access on your Apple Card Account

Register your Apple Card for online account access. Click “Don't have an Apple ID? Create yours now” and enter your name, date of birth,...

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* The information about the following cards has been independently collected by WalletHub: Apple Card.