The Apple Card (Goldman Sachs) is a personal credit card from Apple Card (Goldman Sachs). The annual fee is $0 — no annual fee. The ongoing APR is 17.49% to 27.74% (Variable). Approval typically requires a credit score of 700+ or higher. Rewards: • 3% Daily Cash on Apple purchases & select merchants (via Apple Pay) • 2% on other Apple Pay purchases • 1% on physical card purchases. This product reports activity to your personal credit report. Foreign Txn Fee: $0 — no foreign transaction fees. Pre-qualification available (soft pull). Post-intro APR: 18.24% to 28.49% variable (based on credit) Apple Card uses soft pull for pre-qualification; hard pull only after you accept the offer.