One of the primary ways that Apple and Goldman plan to make the card competitive is by offering special features to card holders in Apple Wallet, according to the Wall Street Journal. The expected features are the sort that a consumer might expect froma run-of-the-mill savings app, including setting spending goals, managing card payments and tracking rewards.

With these features being key to the card’s appeal, it’s clear that Apple is using this as a way to drive user growth for Apple Pay, the mobile payment service through the Apple Wallet.