How to contact Apple Card support
Apple Card customer service is available through the Wallet app on your iPhone, iPad, or Mac — that is where most cardholders start. Open Wallet, tap your Apple Card, then tap the question mark icon in the top right corner. From there you can message support directly, and responses typically arrive within a few hours during business hours.
You can also call Goldman Sachs, the bank that issues Apple Card, at 1-877-955-9060. This line is available Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Have your card number or the phone number associated with your Apple ID ready when you call.
For account issues that require written documentation — disputing a transaction, requesting a copy of your statement, or filing a formal complaint — you can mail correspondence to Goldman Sachs Bank USA, Apple Card Customer Service, 2100 North Ridgetap Road, Salt Lake City, Utah 84116.
Key Takeaways
- The Wallet app messaging feature is the fastest route for most questions and usually gets a response within hours on weekdays.
- Phone support through Goldman Sachs runs Monday to Friday 8 a.m. to 9 p.m. Eastern and Saturday 9 a.m. to 5 p.m. Eastern.
- Written disputes and formal complaints should go to the Salt Lake City mailing address, which creates a documented record.
- Apple Card does not have a separate Apple support line for card issues — all banking matters route through Goldman Sachs.
What issues Apple Card support can handle
Apple Card support handles account management, billing questions, fraud disputes, and lost or stolen card replacement. This includes questions about your credit limit, interest rates, monthly statements, and payment options. If you have been charged a fee you believe is incorrect, or if you see a transaction you did not authorize, support can investigate and document your dispute.
Support can also walk you through setting up or resetting your card in the Wallet app, troubleshooting payment problems, and explaining your statement. They cannot change your credit limit on the spot — that requires a separate credit review — but they can tell you how to request a limit increase through the app.
Disputing a transaction on your Apple Card
If you see a charge you did not make or a merchant charged you twice, start by messaging support through the Wallet app with the transaction date and amount. Support will ask you to describe what happened and may request a receipt or other proof from the merchant. They will then file a dispute with the merchant's bank on your behalf.
The dispute process typically takes 10 business days, though some cases take longer if the merchant contests the claim. During that time, the charge usually stays on your statement but is marked as disputed. If the dispute is resolved in your favor, the charge is removed and you receive a credit. If the merchant wins, you are responsible for the amount.
For disputes involving fraud — a card number stolen or used without your permission — report it when ready through the app or by phone. Goldman Sachs will cancel your card and issue a replacement, usually within 1 to 3 business days.
Reporting a lost or stolen Apple Card
If your physical titanium card is lost or stolen, disable it when ready through the Wallet app by tapping your card, then tapping the three dots and selecting "Disable Card." This stops anyone from using the physical card at a store or ATM. Your digital Apple Card in the Wallet app remains active for online purchases and contactless payments on your phone.
Once you have disabled the card, contact support to request a replacement. Goldman Sachs will mail a new card to the address on file, which usually arrives within 5 to 7 business days. You can use your digital card for all purchases in the meantime. If you find your original card later, you can re-enable it through the app.
Understanding your Apple Card statement and billing
Your Apple Card statement is available in the Wallet app under the "Transactions" tab, where you can see charges organized by day, week, or month. Each transaction shows the merchant name, amount, date, and category — groceries, entertainment, travel, and so on. You can tap any transaction to see more details or dispute it.
Your monthly bill is due on the same date each month, which you can see in the app. You can pay the full balance, the minimum payment, or any amount in between. If you carry a balance, interest accrues daily at your card's APR, which varies based on your creditworthiness and current market rates. Support can explain how interest is calculated on your specific balance.
Requesting a credit limit increase
To request a higher credit limit, open the Wallet app, tap your Apple Card, then tap the three dots and select "Credit Limit." The app will show your current limit and let you request an increase. Goldman Sachs will review your request, which typically takes a few minutes to a few hours. The decision is based on your payment history, current balance, and credit score.
If your request is denied, you can try again after 30 days. Requesting a limit increase does not automatically trigger a hard inquiry on your credit report, though Goldman Sachs may perform one depending on the size of the increase you request. Support cannot override a denial, but they can explain what factors led to it and suggest when to try again.
Resolving payment and technical problems
If a payment fails to go through, check that your bank account or linked payment method has sufficient funds and is not locked or expired. Then try the payment again through the Wallet app. If it fails a second time, contact support — there may be a temporary issue with the connection between your bank and Goldman Sachs.
If the Wallet app is not showing your Apple Card, try signing out of your Apple ID and signing back in. If the card still does not appear, restart your device. If neither step works, message support through the app on a different device or call the phone line. Support can resend your card to the Wallet app or troubleshoot why it is not appearing.
Filing a formal complaint
If you have a problem that support has not resolved to your satisfaction, you can file a formal complaint with Goldman Sachs. Send a written letter to the mailing address listed above, describing the issue, what you have already done to resolve it, and what outcome you are seeking. Include copies of any relevant documents — statements, emails from support, receipts.
Goldman Sachs is required to respond to written complaints within 30 days. If you remain unsatisfied, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB does not resolve individual disputes but forwards complaints to the company and tracks patterns of problems across the industry.
Frequently Asked Questions
How long does it take to get a response from Apple Card support?
Messages sent through the Wallet app usually get a response within a few hours on weekdays, sometimes the same day. Phone support answers calls during business hours with no wait time reported by most cardholders. Disputes and formal complaints take longer — typically 10 business days for transaction disputes and 30 days for formal complaints.
Can I speak to someone at Apple about my Apple Card?
No. Apple Card is a financial product issued by Goldman Sachs, not Apple. All customer service, billing, and account questions go to Goldman Sachs, not Apple Support. You reach them through the Wallet app or by calling 1-877-955-9060.
What happens if I lose my phone with my Apple Card in it?
Your digital Apple Card is tied to your Apple ID and device, not to the phone itself. If you lose your phone, sign into your Apple ID on a new device and your card will appear in the Wallet app. You can also disable the card through iCloud.com before you get a new phone. Your physical titanium card is not affected and continues to work unless you disable it separately.
Do I need to pay an annual fee for Apple Card?
No. Apple Card has no annual fee, no late fees, and no penalty APR. You only pay interest if you carry a balance month to month. Support can explain your specific charges if you see something on your statement you do not recognize.
Can support waive interest or fees on my account?
Support cannot waive interest charges, since interest is calculated automatically based on your balance and APR. They may be able to reverse a single late fee if you have a good payment history and contact them quickly after missing a due date, but this is not may provide and depends on the circumstances.