Goldman Sachs Bank USA credit card terms
Credit-card bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Goldman Sachs Bank USA reported a surveyed purchase APR of 17.49% – 28.49% (median 23.24%) to the CFPB Terms of Credit Card Plans survey, across 1 product. It is one of the 25 largest U.S. card issuers. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Goldman Sachs Bank USA surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 17.49% – 28.49% |
| Median purchase APR | 23.24% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | — |
| Annual fee | — |
| Late fee (median) | — |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Goldman Sachs Bank USA did not report that field in the survey.
Goldman Sachs Bank USA purchase APR by credit tier
Median purchase APR Goldman Sachs Bank USA reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 28.24% |
| Good credit (620-719) | 26.24% |
| Great credit (720+) | 20.24% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Goldman Sachs Bank USA compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Goldman Sachs Bank USA's median of 23.24% sits above the 21% national average APR.
Similar issuers (credit-card bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Goldman Sachs Bank USA (this issuer) | 17.49% – 28.49% | 23.24% | — |
| Barclays Bank Delaware | 17.49% – 34.99% | 25.24% | $59 – $1,199 |
| Stride Bank | 9.24% – 35.74% | 20.49% | — |
| American Express National Bank | 18.24% – 29.24% | 27.12% | $95 – $5,000 |
| Merrick Bank | 21.95% – 34.7% | 29.49% | $36 – $48 |
| Credit One Bank | 28.74% – 30.49% | 29.99% | $39 – $95 |
| Webbank | 29.99% – 35.99% | 32.99% | $39 |
Barclays Bank Delaware · Stride Bank · American Express National Bank · Merrick Bank · Credit One Bank · Webbank
Frequently asked questions
What is Goldman Sachs Bank USA's credit card APR?
Goldman Sachs Bank USA reported a purchase APR of 17.49% – 28.49% to the CFPB Terms of Credit Card Plans survey (median 23.24%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Goldman Sachs Bank USA charge an annual fee?
Goldman Sachs Bank USA did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Goldman Sachs Bank USA a good choice for a low APR?
Goldman Sachs Bank USA is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by Goldman Sachs Bank USA (Goldman Sachs Bank Usa) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29