Apple Cardholders: Here's What to Know as Chase Aims to Take Over

Apple Cardholders: Here’s What to Know as Chase Aims to Take Over

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Published Jan 8, 2026 8:01 a.m. PST Written by Senior Writer & Content Strategist + more + more Edited by Managing Editor + more + more SOME CARD INFO MAY BE OUTDATED

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After much negotiation, Apple and JPMorgan Chase have officially announced that the bank plans to be the new issuer of the Apple Card. Currently, the card is issued and serviced by Goldman Sachs. The transition is still subject to closing conditions and regulatory approvals. Apple Card

NerdWallet rating Apply now Apply now Read Review If you’re an existing cardholder, you can expect to be transitioned to the new issuer in about 24 months. What does that entail? Full details aren't yet available, but Chase and Apple offered a glimpse in their recent announcement. Here’s what we know: MORE: Steps to take when your credit card switches issuers MORE:

Early details

If you're an existing holder of the Apple Card, you will not need to reapply for it. During the transition, you can continue to use the card in the same manner. It still earns: Apple Card 3% cash back on Apple purchases and at select merchants like Nike, Uber, Walgreens and more, when you use the Apple Card with Apple Pay. 2% cash back on all other purchases when you use the Apple Card with Apple Pay. 1% cash back on purchases made with the physical Apple Card. The Apple Card will continue to have no annual fee, no late fees and no foreign transaction fees. Mastercard will remain the payment network, meaning the card will still be broadly accepted globally. Apple Card You can keep managing your account in the Wallet app and at card.apple.com. If you have a savings account, it will remain accessible. It's also still possible to purchase Apple products with the card’s monthly installments feature when you use it to check out at Apple Store locations and via Apple’s website and app. For customer service inquiries, continue contacting Apple Card support in the Wallet app or at support.apple.com/apple-card.

Stay tuned

Once the transition is complete, your balance will be with Chase. If there are any instructions regarding card number changes, physical card changes or other details, they should be provided to you as the transition date approaches. » MORE: Benefits of the Apple Card » MORE: Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the author Melissa Lambarena Melissa is a credit cards writer at NerdWallet. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards

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