Are the interest rates ever lowered?

There are various strategies for paying off credit card debit. You can research this online and on various social media groups. Contact your creditor and they may have educational material and programs available to assist.

How to avoid or lower Apple Card interest charges - Apple Support

CONTACTING — Goldman Sachs Bank 

• Using Messages; chat with an Apple Card specialist

• Call toll-free at 877-255-5923; or

• Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

Apple Card has a variable interest rate and will go up and down as the Federal Reserve Bank increases and lowers the Prime Rate.

Goldman also has a hardship program and interest rates may be temporarily lower while a cardholder is participating.

About Apple Card payment assistance - Apple Support

Interest rates on Apple Card Mastercard account or Apple Savings account?

so actually the answer is no, not unless you’re an active service member of the military according to the GS apple card representative i spoke to