Apple Card is a new kind of credit card created by Apple. Integrated into the Wallet app and designed for iPhone and a healthier financial life.

How to apply for Apple Card

Here are couple of steps to adopt in order to apply for Apple Card;

1. Check for eligibility

To apply Apple Card, the following requirements are needed:

  • Be 18 years or older, depending on where you live.
  • Be a U.S. citizen or a lawful U.S. resident with a valid, physical U.S. address that is not a P.O. Box. You can also use a military address.
  • Own a compatible iPhone with the latest iOS version.
  • Use two-factor authentication with your Apple ID.
  • Sign in to iCloud with your Apple ID.
  • If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card.
  • You might need to verify your identity with a Driver license or State-issued photo ID.

2. Apply for the card

First, make sure you’re signed in to iCloud with your Apple ID. Then, open the Wallet app on your iPhone and tap the add button . Select Apple Card and tap Continue.

3. Fill the information

Follow the steps on the next few screens to provide this information:

  • Your first and last name, date of birth, and phone number
  • Your home address
  • The last four digits of your Social Security number and country of citizenship
  • Your annual income, which can include self-employment income, retirement income, investment dividends, and more

4. Consider the Terms and Conditions

Have a review your the “Terms and condition” and agree to their terms

5. Accept your offer

When your application is approved, you are shown an initial credit limit and APR offer. To accept the offer, tap Accept Apple Card. You have up to 30 days to accept your offer and your credit score is not affected until after you accept.

If you accept, Apple Card is added to Wallet on your iPhone.

To decline your offer, just tap No Thanks.

After you accept your offer, you can start using Apple Card to make purchases with Apple Pay. When you make purchases with Apple Card, you can start to get a percentage of each purchase back as Daily Cash. You can set Apple Card as your default payment card for Apple Pay, App Store, Apple Music and other Apple services, and also request your physical titanium Apple Card after accepting your offer.

If you’re asked for more information

In some cases, Goldman Sachs needs additional information to evaluate your application. You could be asked to provide your full Social Security number. To protect your identity, you might also be asked to capture your driver’s license or State-issued photo ID:

  • Scan the front of your Photo ID and tap Continue
  • Scan the back of your Photo ID and tap Continue

To rescan your Photo ID, tap Scan Again.

Goldman Sachs might ask you to provide additional information on financial assets. In some cases, Goldman Sachs might request additional information about your relationship with Apple to further evaluate your application.

You can choose not to provide additional information at any point. If you choose not to share additional information, Goldman Sachs is unable to approve your application.


  • There are no fees, including annual, late, over-the-limit, or other hidden fees.
  • You can see your offered initial credit limit and Annual Percentage Rate (APR) before you accept your offer, and your credit score isn’t impacted until after you accept.
  • Easily track and manage your spending with Apple Card in Wallet.
  • Get a percentage of your Apple Card purchases back as Daily Cash.