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Existing cardholders do not need to reapply or take action now. Continue using and paying the card normally through Apple Wallet and card.apple.com. Apple says Mastercard will remain the payment network, and existing cards will continue working during the transition.
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The short version
- Confirmed: Chase will replace Goldman Sachs as Apple Card’s issuer.
- Timing: The move is expected to take about 24 months from the January 7, 2026 announcement.
- Action now: Existing users do not need to reapply or migrate their accounts.
- Continuing during the transition: Apple Wallet management, the existing physical card, up to 3% unlimited Daily Cash, Apple Card Monthly Installments for eligible purchases, and no annual, late, or foreign-transaction fees.
- Still unknown: The exact migration date, future card numbers, replacement cards, final rewards and pricing, credit-limit treatment, and the long-term arrangement for Apple Card Savings.
Apple’s official transition FAQ is the best source for customer instructions as the change approaches.
What is changing?
Chase will become the new issuing bank for Apple Card, replacing Goldman Sachs Bank USA, Salt Lake City Branch. The issuer is the financial institution that extends the credit, holds the card balances, makes underwriting and account decisions, and services the account.
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Apple is not becoming a bank, and Apple Card is not leaving Mastercard. Apple will continue to provide the branded product and customer-facing experience, including Apple Wallet integration, while Mastercard remains the payment network.
| Company | Role |
|---|---|
| Apple | Apple Card brand, product experience, Wallet integration, and customer-facing interface |
| Chase | Incoming issuer and future holder of open Apple Card balances |
| Goldman Sachs | Current issuer and servicer until the transition is complete |
| Mastercard | Payment network, which Apple says will remain unchanged |
Chase said the transaction is expected to bring more than $20 billion in card balances to its platform. It also said it expected to recognize a $2.2 billion provision for credit losses in the fourth quarter of 2025 related to the forward purchase commitment. Those figures describe the institutional transaction; they do not change or erase an individual customer’s debt.
Read the Apple announcement and Chase’s announcement for the companies’ statements.
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The announcement was made on January 7, 2026. Apple and Chase say the transaction is expected to take approximately 24 months and remains subject to closing conditions and regulatory approvals.
That makes around January 2028 a reasonable estimate for completion, but it is only an estimate. Apple has not announced a precise migration date. Customers should wait for a direct notice before changing payment instructions, replacing cards, or taking other account action.
What Apple Card users should do now
For existing cardholders, there is no immediate migration task.
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- Continue using your Apple Card normally.
- Continue making payments through the current process.
- Keep managing the account in Apple Wallet and at card.apple.com.
- Keep the existing physical card; Apple says it continues to work during the transition.
- Watch for official communications from Apple, Goldman Sachs, and Chase.
- Do not close the account solely because the issuer is changing.
“No action now” does not necessarily mean “no action ever.” Apple may later provide instructions about disclosures, account confirmation, card replacement, payment credentials, or other migration steps.
Will the current card, card number, and rewards change?
Physical card
Apple says the existing physical Apple Card can continue to be used normally during the transition. It has not yet said whether customers will receive a replacement titanium card after migration.
Card number and digital credentials
Apple has not confirmed whether card numbers, expiration dates, device account numbers, or other credentials will change. Do not update recurring-payment details merely because Chase is becoming the issuer. Keep a list of subscriptions and bills charged to Apple Card, then follow official instructions if new credentials are issued.
Daily Cash
During the transition, Apple says cardholders will continue earning up to 3% unlimited Daily Cash on eligible purchases under the existing Apple Card experience. That is a transition commitment, not a guarantee that every rewards category or promotion will remain unchanged after Chase becomes the issuer.
Fees and interest
Apple’s transition FAQ says Apple Card will continue to have no annual fee, late fees, or foreign-transaction fees during the transition. That does not make borrowing free. Apple lists variable APRs of 17.49% to 27.74%, based on creditworthiness, with rates stated as of January 1, 2026. Your own APR is available in Wallet or at card.apple.com.
What happens to Apple Card Monthly Installments?
Apple Card Monthly Installments will remain available during the transition for eligible Apple purchases made at Apple Store locations, apple.com, and the Apple Store app.
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ACMI is a 0% APR payment option when selected at checkout and approved. It is not a universal 0% financing benefit for every purchase, and eligibility, product restrictions, credit approval, and credit-limit requirements apply. Apple has not explained whether eligibility rules or servicing procedures will change after the final migration.
If you have an active installment plan, retain purchase confirmations and installment records. Apple has not yet published a complete guide for how pending installments will be handled across the migration date.
What happens to existing balances?
Once the transition is complete, open Apple Card account balances will be with Chase. The balance transfer is an institutional change of issuer—not debt forgiveness, refinancing, or cancellation. Until the migration is complete, continue paying as you do today.
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Customers should keep statements, payment confirmations, and records of credits or refunds. The official FAQ has not yet specified every procedure for pending transactions, disputes, chargebacks, or refunds that cross the migration date.
Will credit reports change?
Apple says credit reports will show Chase as the new issuing bank after the transition. The exact presentation may vary by credit bureau, and Apple has not specified whether every account-age, payment-history, balance, and credit-limit field will appear in exactly the same format.
After migration, review your credit reports for the account status, balance, credit limit, payment history, and issuer information. Dispute any inaccurate reporting with the relevant bureau and creditor, keeping copies of statements and migration notices.
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What happens to Apple Card Savings?
Apple Card Savings is a separate and less-settled part of the transition. During the transition, existing Apple Card users will continue to have access to Savings. The current accounts are provided by Goldman Sachs Bank USA.
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Apple has not confirmed whether Goldman Sachs will continue providing the account after the card migration, whether Chase will offer a replacement, whether customers will have a choice, or whether the account’s rate, number, FDIC-bank relationship, beneficiaries, or transfer process will change.
Do not assume that Savings will automatically move to Chase. Do not move money or close the account based solely on speculation. Wait for official instructions and separately review any future disclosures about the APY, bank relationship, withdrawals, beneficiaries, and account numbers.
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Apple Card Family
Co-owners and participants should not assume that permissions, spending limits, account access, or reporting will be handled exactly as they are today after migration. Apple has not yet published post-transition procedures specific to Apple Card Family accounts.
Recurring bills
Keep a record of every subscription, utility bill, and other recurring charge using Apple Card. If card credentials change, some merchants may require manual updates. Do not make changes until Apple or Chase gives specific instructions.
Why is Goldman Sachs leaving?
The confirmed fact is the issuer transition; Apple and Chase have not publicly announced every commercial term behind it. The move follows Goldman Sachs’ broader retreat from parts of consumer banking, but reported details about losses, negotiations, or the value assigned to the card portfolio should be treated as attributed reporting rather than official Apple Card terms.
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Whatever the business rationale, customers should focus on the operational distinction: Goldman Sachs remains the servicer during the transition, while Chase is expected to become the issuer after the transaction closes.
What remains unknown?
- The exact final migration date.
- Whether customers will receive new physical cards.
- Whether card numbers, expiration dates, or digital-wallet credentials will change.
- The future rewards schedule and promotions.
- Future APRs, credit limits, underwriting, fraud controls, and account-review practices.
- The long-term provider and terms for Apple Card Savings.
- How pending transactions, disputes, refunds, and remaining ACMI installments will be handled across the migration.
- Specific procedures for Apple Card Family co-owners and participants.
Current transition terms should not be treated as a permanent promise about the Chase-issued version.
What about people who do not have Apple Card?
Apple says people can continue applying during the transition. Applications are U.S.-only and subject to credit approval. Applying now may make sense if you value Apple Wallet management, Daily Cash, or Apple-specific installment financing today. Readers who prioritize travel rewards, a broad transfer-partner ecosystem, or certainty about long-term terms may prefer to compare separate cards, including Chase’s current offerings at chase.com/personal/credit-cards.
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Bottom line
Apple Card is genuinely moving from Goldman Sachs to Chase, but the move is not happening immediately. Existing users should keep paying and using the card normally, avoid reapplying or closing the account, and wait for official migration instructions. Mastercard, Apple Wallet access, and the currently announced transition benefits remain in place for now; the final treatment of card credentials, credit terms, rewards, and Apple Card Savings is still to be determined.
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