How to apply for Apple Card

Learn what you need to apply for Apple Card and add it to your devices. And learn what to do if your application is approved or declined.

How to apply for Apple Card

About Apple Card

Apple Card sets a new level of privacy and security.1 It's integrated into the Wallet app and designed for iPhone and a healthier financial life. See if you're eligible.

If you apply online and don't add Apple Card to an eligible iPhone or iPad that you own, you can only use it to make eligible purchases online and in-store at Apple.2

Apply for Apple Card on your iPhone

  1. Open the Wallet app and tap the add button .
  2. Select Apple Card, then tap Continue.
  3. Complete your application.
  4. Review and agree to the Apple Card Terms & Conditions.
  5. Accept your offered credit limit and APR.3

You can apply for Apple Card without impacting your credit score. If your application is approved and you accept your Apple Card offer, a hard inquiry is made. This may impact your credit score.

After you accept your offer, Apple Card is added to the Wallet app and you can request a titanium Apple Card.

To apply on your iPad, open the Settings app, scroll down and tap Wallet & Apple Pay, tap Add Card, then select Apple Card.

If your application is approved

You have up to 30 days to accept your offer. If you accept your offer and add Apple Card to your eligible iPhone or iPad, you can:

Add Apple Card to your other devices

If your application is declined

Make sure that you're eligible to Apply for Apple Card. You can also see which conditions might cause your application to be declined. And learn what you can do if your application is approved with insufficient credit to complete your Apple purchase, or it's declined.

If you need help applying for Apple Card, contact Apple Support.

See if you're eligible

  1. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.
  2. If you apply online, use a supported browser. To access and use all Apple Card features, you need to add Apple Card to an eligible iPhone or iPad that you own with the latest version of iOS or iPadOS. Then, you can manage your Apple Card on your device and make purchases anywhere Mastercard is accepted. If you don't add Apple Card to an iPhone or iPad that you own, you can only use your Apple Line of Credit for eligible purchases online and in-store at Apple.
  3. Variable APRs range from 10.99 percent to 21.99 percent based on creditworthiness. Rates as of April 1, 2020.
  4. If your photo ID won't scan properly, contact Apple Support.


Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Published Date: