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Goldman Sachs credit cards

Verified Oct 16, 2026USD

1 Goldman Sachs card ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $0.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

  1. #1Goldman Sachs Apple Card

    Goldman Sachs

    Apple Card

    No annual feeGroceries 2%Dining 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$603
    Year 2+$603

    3 years $1,809 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$603
    Year 2+$603
    Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 1. By 3-year value on the family preset's spending. Over 3 years it's worth $1,809 after fees.
    2. Year 1. $603 = rewards $603.
    3. Each year after. $603 = rewards $603.
    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
Goldman Sachs Apple Card$532$1,380$1,809$2,095$4,298

Frequently asked questions

Which Goldman Sachs card is best?

On a family's spending, Goldman Sachs Apple Card is worth the most over 3 years ($1,809).

What do Goldman Sachs cards cost?

Annual fees from $0 to $0 across the 1 cards listed here.

What rewards do Goldman Sachs cards earn?

Cash back. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.