I don't see how transaction privacy is improved significantly.
Goldman Sachs still sees every transaction, just like any other credit card's issuing bank.
If I want transaction privacy I use cash, full stop. There is no other solution that's guaranteed to be anonymous.
Apple’s software improvements will be worth it for that alone, but that plus the focus on transaction privacy makes it something that stands out.
Once it’s available I’ll cancel my CSR and Amex and use the Apple Card for all transactions.