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Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →JPMorgan Chase is set to become Apple Card’s new issuer. Apple, Chase and Goldman Sachs announced the agreement on January 7, 2026. The change is expected to take approximately 24 months, remains subject to regulatory approvals and other closing conditions, and is not yet complete. Goldman Sachs will continue servicing accounts during the transition, so existing customers do not need to reapply or change their payment routine now.
What was announced
This is no longer an unconfirmed possibility. Chase agreed to replace Goldman Sachs Bank USA as the issuer of Apple Card and take on the existing portfolio, which represents more than $20 billion in estimated card balances.
The companies’ roles are different:
- Apple remains the consumer-facing brand and technology partner, including Apple Wallet and Apple Card support.
- Goldman Sachs is the current issuer and will service accounts until the migration is finished.
- JPMorgan Chase will become the issuer after the transaction closes.
- Mastercard remains the payment network.
Read the announcements from Apple, Chase and Goldman Sachs.
When will Chase take over?
Apple’s transition FAQ describes an expected transition period of approximately 24 months from the January 7, 2026 announcement. That points broadly to early 2028, but no firm completion date has been published in the cited materials. The closing depends on regulatory approvals and other conditions, so January 7, 2028 should not be treated as a guaranteed date.
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- Material: Genuine leather and PVC card slots.
- Size: 4.72"*3.15"*0.7" (12*8*1.8 CM)
- Large Capacity: The card holder has 26 cards slots. It is enough room for your ID card, credit cards, gift cards and dicounted cards. Small size is perfect to fit in your pockets or handbags.
- RFID Blocking: RFID Blocking designed lining keeps your vital information Secure. Be safe and protected from Electronic Pick pocketing.
- Great Gift Idea: Great gift for mother, daughter, grandmother and so on.
Until the move is complete, Goldman Sachs remains the issuer and servicer. The FAQ is available at Apple’s Apple Card Issuer Transition FAQ.
What current Apple Card users should do now
For now, the practical answer is to keep using the account normally.
- You do not need to reapply.
- Continue making payments through the existing process.
- Manage the account in Apple Wallet and at card.apple.com.
- Your existing physical card remains usable during the transition.
- Daily Cash continues under the published transition terms.
- Apple Card support remains available through Wallet and Apple’s support channels.
Apple says it will provide additional instructions as the transition date approaches. Do not close the account solely because the issuer is changing; closing can affect utilization and the average age of your credit accounts.
Rank #2
- QUICK ACCESS: Unlike traditional leather wallet, this mens slim wallet is equipped with the ejection mechanism. Simply press the side button on the card holder, all cards pop up at a step pattern that makes them very easy & convenient to take out.
- SLIM BODY, LARGE CAPACITY: This mens minimalist wallet holds up to 12+ cards. The aluminium chamber holds 6-8 and the leather flap holds 4-6 (1 ID window included). There are also removable money clips on the back capable of holding 15+ cash.
- CLEAR ID WINDOW: On the inside of the carbon fiber wallet, which has an ID card holder slot, which allows you to swipe the card without removing the card. It can be used to store ID card, work card, driver license, access card, traffic card, etc.
- RFID BLOCKING: This rfid wallet for men embeds a chip in the aluminum card case to block unknown scanning devices from scanning your credit cards, debit cards, and driver's licenses, maximizing the protection of your personal property.
- PERFECT PRESENT IDEA: This leather wallet is packaged in a beautiful premium box and it is great choice for men. It is a perfect credit card wallet for your friend, lover, parent or yourself on special Days.
What is confirmed about benefits and financing
Daily Cash
During the transition, Apple says customers can continue earning up to 3% unlimited Daily Cash, subject to the program terms. The published structure is:
- 3% at Apple and selected merchants;
- 2% when paying with Apple Card through Apple Pay;
- 1% where Apple Pay is not accepted.
See the current terms at Apple Card benefits. Neither Apple nor Chase has published a guarantee that every category, promotion or redemption method will remain unchanged after the migration.
Apple Card Monthly Installments
Apple Card Monthly Installments (ACMI) remain available during the transition for eligible U.S. Apple purchases when ACMI is selected at checkout. It is a 0% APR option subject to credit approval, available credit, product eligibility and the applicable terms. Buying an Apple product with Apple Card without selecting ACMI can result in the card’s regular variable APR.
Rank #3
- QUICK CARDS ACCESS: This minimalist wallet for men features a smooth pop-up mechanism. Just press the side button, and the cards slide out in a stepped layout for easy access.
- SLIM BODY WITH LARGE CAPACITY: Despite being slim at only 0.6 inches thick, this card wallet for men can hold 10-12 cards. The aluminum chamber holds 6-8 and the leather flap holds 4 (2 ID windows included). The money clip on the back holds 10+ bills.
- DOUBLE ID WINDOWS: KAFELLON designed the first pop up wallet on the market with 2 ID windows, based on real user needs. It's perfect for holding your ID and driver's license for quick access and quick view.
- RFID BLOCKING: This rfid blocking wallet features a built-in RFID-blocking layer that blocks unauthorized scans, protecting your finances and personal information.
- PERFECT GIFT IDEA: This money clip wallet combines a modern design with great practicality and comes with an elegant gift box. It's the perfect gift for men on Christmas, Valentine’s Day, Father’s Day, and other special occasions.
Fees and current APR information
Apple’s published product information lists no annual fee, late fee or foreign-transaction fee. Late or missed payments can still result in additional interest. The published new-account variable APR is 17.49%–27.74%, based on creditworthiness, with rates dated January 1, 2026. These are current terms, not a promise of post-transition pricing.
Card numbers, credit reports and Apple Card Savings
Will the card or number change?
Apple has confirmed that existing cards can continue to be used during the transition. It has not yet said whether card numbers, account numbers or titanium physical cards will be replaced. Treat any replacement-card instructions as future transition communications, not settled policy.
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What happens to your credit history?
Apple says credit reports will update to show Chase as the issuer after the transition. The published information does not fully explain account-number treatment, account age or every bureau-reporting field, and it does not promise that every customer’s score will be unaffected. Check all three credit reports after migration and dispute inaccurate information with the issuer or the relevant bureau.
Rank #4
- 💳 QUICK ACCESS & LARGE CAPACITY HOLD UP 1-12 CARDS: This mens wallet designed with enhanced enjection mechanism button to pop up cards quickly. The aluminum card holder holds 4-6, depends on the number of embossed cards, and the expandable metal backplate holds 5-6 additional cards. The actual capacity depends on the card thickness.
- 💳 ULTRA THIN PROFILE (SLIM WALLET FOR MEN): The minimalist tactical wallet is very thin and can be carried comfortably in a pocket. The aluminum cardholder size is 3.9*2.5*0.5in,weight only 2.6oz. And expandable backplate designed for additional storage. Ditch the bulk, less is more.
- 🔒 RFID & NFC BLOCKING: This smart wallet use advanced aluminium technology to protect your cards from unauthorized and contactless scanning. Stop thieves from cloning your bank cards and prevent data theft.
- 💳 KEEP CARD TIGHTLY: Our pop up wallet with inside silicone strip that keeps your cards to be held tightly compared with normal felt. No worry cards will fall out.
- 🎁 PERFECT PRESENT IDEA: Our minimalist wallets packed with a pretty box. Aluminum wallet for men is a great present for boyfriend, brother, son, husband, dad, or your male friends on christmas, birthdays, anniversaries, and father's Day.
Does Apple Card Savings move too?
Apple says Savings remains available during the transition. The account is currently provided by Goldman Sachs Bank USA and is separate from the Apple Card issuer change. The FAQ does not establish whether Savings will eventually move to Chase or remain with Goldman Sachs, so do not assume the two products migrate together.
Why Goldman Sachs is leaving
Goldman Sachs said the agreement substantially completes its effort to narrow its consumer-business focus and redirect attention to Global Banking & Markets and Asset & Wealth Management. In its disclosures, Goldman reported a release of approximately $2.48 billion in loan-loss reserves, a reduction in net revenues of approximately $2.26 billion tied to portfolio markdowns and contract-termination obligations, and approximately $38 million in expenses.
Those figures describe disclosed accounting effects; they are not a single stated “loss” or the purchase price of Apple Card. Goldman’s announcement is at Goldman Sachs, with additional detail in its January 15, 2026 8-K.
Best Value
- STYLISHLY SMALL, SLIM & DISCREET: Measuring just 3 1/8" x 4 7/16", our RFID front pocket wallet is designed to be super thin and exceptionally slim. Its modern, minimalist profile fits perfectly in your pocket, purse, or travel pack without adding bulk.
- SURPRISINGLY SPACIOUS: Though slim, it features 8 slots to easily organize your essentials. Comfortably holds your driver's license, credit cards, debit cards, and membership cards, keeping everything you need right at your fingertips.
- ADVANCED RFID BLOCKING: Our slim wallets for men and women are outfitted with advanced RFID SECURE Technology. They block electronic signals to keep your identity protected while you travel, shop, or explore, safeguarding you from digital theft.
- DURABLE & STYLISH FAUX LEATHER: Crafted from premium synthetic leather, this minimalist wallet sleeve combines a luxurious look and feel with everyday functionality. Its durable construction is designed to withstand the rigors of daily use, travel, and shopping.
- THE PERFECT UNISEX GIFT: With its sleek design and practical security features, this wallet is a popular choice for both men and women. It arrives ready for gifting, making it an ideal present for the frequent traveler, minimalist, or anyone in your life!
Why Chase wants the portfolio
Chase is taking on a large established card portfolio, estimated at more than $20 billion in balances, and a prominent Apple-branded relationship. Its fourth-quarter 2025 provision for credit losses included $2.2 billion related to the forward purchase commitment, according to Chase’s investor filing at the company’s filing.
The likely strategic logic is scale: Chase gains a sizable credit-card book and access to Apple’s customer base, while Apple gains an issuer with substantial consumer-credit infrastructure. That interpretation is analysis, not a separately stated promise about future Apple Card terms.
What Chase’s involvement does—and does not—mean
Apple Card will remain an Apple-branded product with Apple Wallet at the center of the experience, and Mastercard remains the network. The companies have not said Apple Card will become interchangeable with Chase Freedom, Sapphire or another Chase-branded card. Chase’s existing products and underwriting capabilities may offer clues about its scale, but they do not establish future Apple Card approval rules, APRs or rewards.
Should you apply for Apple Card before the transition?
Applying now opens an account that is initially issued by Goldman Sachs, not immediately by Chase. The application can make sense when Apple integration, Daily Cash, no annual fee and ACMI are your priorities. Apple’s application information says you can view an initial offer without an initial credit-score impact; accepting the offer can result in a hard inquiry. See Apple’s application information.
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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problemsConsider waiting or comparing alternatives if you need predictable long-term terms, transferable travel points, premium travel protections, broad category rewards or a large signup bonus. Anyone carrying a balance should compare APR and financing costs before focusing on cashback. Current terms continue during the transition, but Apple has not guaranteed every post-transition benefit.
Alternatives by goal
| Reader priority | Likely direction | Important trade-off |
|---|---|---|
| Apple purchases, Apple Pay and Wallet integration | Apple Card | Future post-Chase terms are not yet published. |
| No-annual-fee conventional cash back | Chase Freedom Unlimited | Its current page lists $0 annual fee, a $200 bonus after $500 in three months, 0% introductory APR for 15 months, then a variable 18.24%–27.74% APR; offers and rates can change. |
| Transferable travel points and protections | Chase Sapphire Preferred | $95 annual fee; points transfer 1:1 to listed partners. Benefits and effective dates are time-sensitive. |
| Financing an eligible Apple purchase | Apple Card ACMI | 0% applies only when eligible and selected at Apple checkout. |
| Managing an eligible purchase through Chase | Chase Pay Over Time | Eligibility, plan fees and terms vary; it is not universally interest-free. |
A flat-rate 2% cash-back card or a low-interest/balance-transfer product may be more appropriate than either Apple Card or a rewards card if simplicity or debt costs matter most.
Quick Recap
Transition checklist
- Keep making payments on schedule through the current channels.
- Keep your mailing address, email and phone number current.
- Watch Apple Wallet and official Apple communications for migration instructions.
- Save statements and installment-plan records before the account moves.
- Check all three credit reports after Chase appears as issuer.
- Verify replacement-card or account-number messages through Wallet, Apple’s official support channels or a trusted Chase channel; never use credentials from unsolicited links or phone numbers.
- Reassess rewards, APR and financing only after Chase publishes final Apple Card terms.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
