After three frustrating hours getting bounced between Apple and Goldman Sachs reps, trying to get my Goldman ID and PIN to log in and check my account transactions or download them to Quicken, I learned it is not possible. I also identified a transaction that was charged incorrectly to my Apple Card rather than my AMEX.
I cancelled my card immediately. I recommend that others cancel as well in protest for this substandard financial product.
The Apple Card account I opened will not allow download of transactions from the Goldman Sachs website or into Quicken. I depend on this for my taxes and records, and it's a standard capability for every legitimate bank card and bank account I have ever used. Having to manually track and transfer Apple charges from an app on my phone is a non starter for me, my freelance business and my accountant.
The many support people from Apple and Goldman I encountered were poorly trained and gave me incorrect info about this. Some tried to represent that integration with the bank for transaction download would be coming, but the way the product is designed I find this hard to believe. Some had never even heard of Quicken. Most credit cards have Quicken specialists they can transfer callers to.
On a more disturbing note, as soon as I activated it, Apple charged my Apple Card for a purchase I made on my iPhone via Apple Pay, explicitly using my AMEX card, without warning -- and pulled the funds from my bank account immediately. I lost the cash back on that purchase from AMEX and lost the ability to pay that change after receiving my AMEX statement. This transaction redirection should be banned.
Note that I did NOT choose to make the Apple Card the default for Apple store purchases and Apple services.
One rep even tried to convince me that this transaction change to Apple Card happened because, even though my VISA is my default card, the Apple card would be used as a default because I had Apple Cash enabled (but not set up or activated) and because it was at the top of my card list in Wallet Settings. She said it had to be at the bottom under my Apple Card but she did not even know how to disable or delete Apple Cash! Of course, I deleted it myself.
The experience makes me wary of Apple's ill-conceived and greedy approach and I will do my best to avoid purchasing subscriptions via Apple if I can do so directly from the actual vendor.
I love Apple and have been a loyal customer but this Apple Card is living in its own private dream world -- they don't disclose up front how it fails to function normally (or integrate with Quicken) like any legitimate bank card. I offer this critique in hopes that it will be constructive and that someone at Apple will take note.