The Goldman Sachs is a personal credit card from Goldman Sachs. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.74% to 27.99% variable (as of October 1, 2026). Approval typically requires a credit score of 700+ or higher. Rewards: Daily Cash: 3% at Apple and select merchants with Apple Pay; 2% with Apple Pay; 1% with the physical card. 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.