[3][4][5] On August 6, 2019, invitations to an early preview started being sent to randomly selected users who had previously signed up for email notifications ahead of Apple Card's official launch.

[9][10] Goldman Sachs defended the terms of the deal saying they were "thrilled" with the partnership and seeking "to disrupt consumer finance by putting the customer first.

[30][18] Launched on April 17, 2023, it allows Apple Card owners and co-owners to open a 4.15% savings account to deposit their Daily Cash,[31] with no fees and no minimum balance.

[32] The Wallet app collates Apple Card transactions by category and provides weekly and monthly activity summaries.

[33] Apple added support for users to give third-party budgeting apps access to transaction data for budget management in iOS 17.4[34] A unique card number is created for each device and is stored in a secure element which is used by Apple Pay to handle transactions and on-device cryptographic functions.

[8][38] For Apple Card's initial US launch, Goldman Sachs assumed the role of the issuing bank,[39][2][38][40][41] while Mastercard served as the payment network.

[44] The article suggests that Apple and Goldman Sachs rushed development of the card, and that the companies would fix the issue over time.

[45] Apple's co-founder Steve Wozniak also tweeted that he received ten times the credit limit that his wife was offered.

[46] In response to Hansson's tweets, the New York State Department of Financial Services launched an investigation into Goldman Sachs's practices.

[45] On March 23, 2021, the New York State Department of Financial Services issued a report summarizing its findings after investigating consumer complaints about the Apple Card.