Apple
Apple Card is a Mastercard credit card issued by Goldman Sachs and managed in the iPhone Wallet app; its virtual card number is the detail you type in wherever Apple Pay is not accepted.
Lead with Apple Card if you already live in the Apple ecosystem and want a virtual number you can read out for any site that does not take Apple Pay. It is US-only and credit-approval-only, so weigh that against the fee-free card and the Daily Cash rewards.
Profile
| Issuer / category | Goldman Sachs Bank USA · Wallet credit card |
| Official site | https://www.apple.com/apple-card/ |
| Best for | Apple Pay & Apple-ecosystem spending, US online shopping |
| Network | Mastercard |
| Rating | 8.0/10 (no logged live ranges yet) |
| Data quality | partial — terms reviewed, no checkout log |
Costs and fees
| Annual fee | $0 |
| Late fee | $0 (interest still accrues on balance) |
| Foreign transaction fee | $0 |
| Over-limit fee | $0 |
| APR (purchases) | Variable, ~17.49%–27.74% as of Jan 2026 (credit-based) |
| Cash advance | Not a feature of the virtual number |
Verification and risk
| KYC required | Yes — credit approval by Goldman Sachs |
| Risk level | Low–Medium (US credit product) |
| AVS check | Yes (US) |
| 3-D Secure | Yes — via Apple Pay device token, not the typed number |
Funding and limits
| Fund from | Linked bank account / Apple Cash |
| Physical card | Optional titanium card (no printed number) |
| Credit limit | Set by Goldman Sachs at approval |
| Availability | United States only; requires iPhone/iPad/Watch |
Billing
| Billing address | US |
| Billing country | United States |
Platform compatibility
| Apple / App Store | Yes (intended use) |
| Ad platforms | No (consumer card, not built for ad spend) |
| Netflix / Spotify | Yes (consumer subscriptions) |
| ChatGPT / AI tools | Not a stated use case |
Platform compatibility is inferred from the card's consumer design, not from a live checkout log we have published yet.
What the issuer states on its own site
- Apple Card has no annual, late, foreign-transaction or over-limit fees.
- A virtual card number is stored securely in the Wallet app for sites and apps that ask for card details; Apple Pay uses a separate device account number.
- Daily Cash posts to your Apple Cash balance: 3% on Apple purchases, 2% with Apple Pay, 1% with the titanium card or typed number.
Source: (terms current as of our review).
How it performed in our tests
We have not yet logged live checkout ranges for Apple. When we do, the cleared charges and decline reasons will appear here next to each BIN. Until then, the fee and limit rows above come from the issuer's published terms, not from our own clears.
Browse the BIN directory → to check any range you already hold.
Where to go next
Category guides
Issuing country
Other Mastercard virtual cards
Head-to-head comparisons
Frequently asked
What does the Apple Card virtual number cost?
Nothing extra — the card itself has no annual, late, foreign-transaction or over-limit fee. The only cost is APR interest if you carry a balance month to month.
How do I get the Apple Card virtual number?
Open the Wallet app on your iPhone after approval; the virtual card number sits in the card details and you can read it out or copy it for sites that do not take Apple Pay. A physical titanium card is optional.
Is Apple Card available outside the United States?
No. Apple Card is a US-only product; you need an iPhone and a US credit approval from Goldman Sachs Bank USA.
How is the Apple Card virtual number kept safe?
Apple Pay transactions use a device-specific token, so merchants never see your real number. The typed virtual number is separate and can be frozen in Wallet; transaction data is processed on-device.
Does Apple Card work for ad-platform spend?
Not as a designed use case — it is a consumer card. For business or ad-platform spend, look at a business Visa such as Ramp or Mesh Payments instead.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.
Related virtual card searches
Looking for the Apple Card virtual number, how to use Apple Card without the physical card, or whether the Apple Card virtual number clears at the checkouts you use? We cover Apple Card virtual numbers, the Wallet card, and how Apple Card compares to other Mastercard virtual cards.