How to Apply for the Apple Card in a Few Simple Steps

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How to Apply for Apple Card

Want to get an Apple Card but have no idea how to fill out the application and get approved? Well, you’ve come to the right place. While applying for this credit card is quite simple, actually getting your application accepted is not so easy and depends on multiple factors that you should be aware of before submitting it.

TL:DR; In this article, we’ll cover everything there is to know about the process of applying for an Apple Card.

How to Get an Apple Card

Apple Card is a credit card released by Apple a few years ago and is now used by many iPhone owners. Once approved, this card gets immediately added to the Walled app and linked to Apple Pay, allowing you to make purchases both online and in-person at stores.

The process of getting approved for the Apple Card is quite similar to any other credit card: you need to check for yourself whether you’re eligible, submit an application, and, if approved, accept the offer. So, let’s dive in.

Step 1. Verify if You Are Eligible for an Apple Card

There is no way you can know for sure whether your Apple Card application will get approved or not. However, if you’ve at least read the main requirements that the issuer has set, then you can get some kind of an idea of whether you’re eligible to receive the credit card or not.

Apple Card Requirements

Here’s a list of requirements that you should meet in order to get an Apple Card:

  • ? Age: You must be at least 18 years old to apply.
  • ? Residency: You must have a U.S. residential address that isn’t a P.O. Box.
  • ?? Citizenship status: You must be a U.S. citizen or a lawful U.S. resident.
  • ? Photo ID: You might need your Driver’s license or a state-issued photo ID to verify your identity.
  • ?️ Security: You must use two-factor authentication on your phone to make sure that you’re the only one who can use your Apple Card.
  • ☁️ iCloud: You must sign in to your iCloud account with your Apple ID.
  • ? Credit report freeze: You must remove your credit report freezes before applying for the credit card if there are any.

What Credit Score is Needed for an Apple Card?

The Apple Card issuer Goldman Sachs Bank doesn’t give a specific answer to this question. However, Apple did say that they want the credit card to be widely available and hinted that the applicant should at least have good credit (670 or higher) in order to get approved.

Apple Card Approval Odds

Your credit score is one of many criteria that will be considered by the Apple Card issuer when viewing your application. Here are some other factors that can influence the decision:

  • Debt obligations and past due non-medical debt collections.
  • Negative public records (such as tax lien, bankruptcy, property repossession, etc.).
  • Amount of recently opened credit accounts.
  • Insufficient income for current debt payments.
  • A high number of recent credit applications.

Step 2. Get Approved for an Apple Credit Card

So, you think that you should meet all the necessary requirements to obtain the Apple credit card, what next?

Your next move would be to fill out the Apple Card application and submit it for review. And the good news is that this won’t impact your credit score (the issuer will make a hard inquiry only after your application gets approved and you accept the offer).

To submit an application and see if you prequalify for the Apple Card, follow these steps:

  1. Open the Wallet app on your iPhone.wallet app iPhone
  2. Tap the plus icon in the upper-right corner of the icon wallet iPhone
  3. Choose Apply for Apple Card and tap Continue to move forward with the application.
  4. Look through your personal information to see if everything is correct. If there are any mistakes or missing details, type them in.
  5. Accept the terms and conditions.

If you’re more comfortable using your computer to apply for the Apple Card, you can fill out the application on the official Apple Card website.Apple Card application online

Once you’ve received the Apple Card pre approval, you’ll be able to see your credit limit and annual percentage rate offer on the final screen of your application.

Step 3. Accept the Offered Terms

You can either accept the offer or decline it after you’ve submitted the Apple Card application. If you choose to go with it, the card will be added to your Wallet app, and you’ll be able to start using it right away.

Note: If you don’t want to rush the decision, you’ll have 30 days to accept the offer. But if you go past these 30 days, you’ll have to submit the application again to be able to receive the Apple Card.

You’ll be able to use your Apple Card online or through Apple Pay on your iPhone. Also, if you’d like to have a physical card, you can request one using your phone. It can be done through the Wallet app on your phone (just go to Card Details and select Get a Titanium Apple Card from the menu).

All of your purchases made with Apple Card and other features can be viewed through your Apple Card account in the Wallet app.

How to Use an Apple Card

Basically, there are two ways you can use the Apple credit card: online or in-stores. And you pay with the card either with the help of Apple Pay on your iPhone, iPad, Mac, or Apple Watch or with the physical version of your Apple Card (it can be used at any store where Mastercard is accepted).

Whenever you want to use Apple Pay with your Apple Card, all you need to do is double-click the side button or the home button on your iPhone and confirm your identity. Then hold your phone over the card reader to finish the transaction.

Apple Card Benefits

With every credit card come various benefits for the user. The Apple Card also has a lot to offer. Here are the Apple Card benefits that you’ll get if you’re approved for it.

No Fees

Applying for the Apple Card and getting it (both the online and physical version) is entirely free. Moreover, there are no hidden fees regarding foreign transactions, balance transfers, etc. And, of course, the Apple credit card doesn’t charge annual fees.

Unlimited Daily Cash Back

When using the Apple Card, you’ll earn 3% cash back on Apple purchases, 2% on Apple Pay purchases, and 1% on any kind of purchases made with the titanium Apple Card. Also, you’ll be able to earn 3% from purchases made from Apple Card partners (Uber, T-Mobile, Nike, Panera Bread, etc.).

You’ll be able to receive your earned cashback every day and put it towards Apple Pay Cash or transfer it to your bank.

Apple Product Financing

If you are planning on purchasing another Apple product and want to finance it, doing it with an Apple Card would be your wisest choice since this card offers 0% on all Apple product purchases.

Apple Card Family Sharing

If you want to share your Apple Card with someone from your family (spouse, parent, child, etc.), you can easily do that with the help of Apple Card Family. It’s possible to add one person to your account as the co-owners of your Apple Card and four more as authorized users of the card.



Submitting an application for an Apple Card is not as hard as one might think. However, actually getting approved by the issuer is a bit more complicated since there are a number of factors that influence the final decision. As long as you’re aware of them and are sure that you’ve met those requirements, you should be good to go.

Romana Levko
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About author
Romana Levko is a seasoned content writer specializing in macOS and iOS. Over the past few years, she’s been creating how-to guides, tutorials, and explainers to help others navigate complex tech matters like data recovery and cybersecurity.