Apple Card is only available in the United States. Your Apple Account country or region must be set to the United States to apply for Apple Card. Please update your Apple Account country or region and restart your application. Learn how to change your Apple Account country or region.
When you apply for Apple Card, you're required to give personal information like your birth date, home address, annual income, and the last four digits of your Social Security number. If we need more information to verify your identity, you might be asked to scan your driver's license or state-issued photo ID.
North America
Sending and receiving money with Apple Pay and the Apple Cash2 card are available only in the U.S. These services are provided by Green Dot Bank, member FDIC.
Be a U.S. resident with a valid, physical U.S. address.
Can a non-citizen open a bank account in the U.S.? Yes, non-U.S. citizens can open a bank account in the U.S. When you open a bank account at Bank of America, you'll need to provide two forms of identification, a tax identification number and documents that show proof of both a foreign and U.S. address.
The account has no monthly fee or minimum balance requirement, and the APY is notable. It is much more than the average savings rate for savings accounts, which is 0.42%, according to the FDIC. You can view your savings account, including balance and interest-earned information, in the Apple Wallet app.
Apple Card is available only in the United States, with 12 million cardholders as of early 2024.
If you apply for Apple Card and your application is approved, there's no impact to your credit score1 until you accept your offer. If you accept your offer, a hard inquiry is made. A hard inquiry may impact your credit score.
Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account.
To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live. You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
To help protect your identity, you may be asked to provide additional information for verification, such as uploading the front and back of your government-issued identification, providing your full SSN, or entering a verification code sent to a phone number that Apple's identity verification service provider has ...
It's easy to add your partner, spouse, or other adult from your Family Sharing group as a Co‑Owner — even if they don't have their own Apple Card yet. Apple Card Family allows two partners to merge credit lines 7 to form a single co-owned account, manage that account together, and build credit as equals.
You can get an Apple Card without SSN, by using your ITIN (Individual Taxpayer Identification Number) instead. You can just fill in this information in the box where you would normally put your SSN.
While immigrants can qualify for a credit card in the U.S., credit card issuers will need to verify your identity before approving you for an account. But depending on your immigration status, you might not be eligible for a Social Security number (SSN).
Apple is not a bank. To issue a credit card, a bank with a valid banking licence for the country they are offering credit in has to be involved. At the moment only Goldman Sachs has a banking partnership with Apple, and they only have a licence to issue cards in the USA.
Cons. The Apple Card doesn't offer purchase protection, extended warranty coverage or other benefits that are common among rewards cards. There's no sign-up bonus for new cardholders. You won't get a 0% introductory APR on purchases or balance transfers.
Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
The Apple Card is hard to get because it requires good credit for approval, which means you need a credit score of 700+ to have good odds of being approved. This requirement may be difficult for the average American to meet. On top of that, you'll need to have a steady income and meet a few other requirements.
Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don't take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app.
You can't redeem Apple Gift Cards or App Store & iTunes Gift Cards outside of the country or region of purchase. For example, if you bought an App Store & iTunes Gift Card in France, you can't redeem it in the App Store in the United States.
Apple Card (available in the U.S.) is a credit card created by Apple and designed to help you lead a healthier financial life. You can sign up for Apple Card in the Wallet app on iPhone in minutes and start using it with Apple Pay right away in stores, in apps, or online worldwide.
Rates and fees
The Apple Card has no fees whatsoever. There are no annual fees, foreign transaction fees or late payment fees. The current variable APR is 19.24% to 29.49% based on your creditworthiness, which is in line with other popular cashback cards on the market.
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
If you're asked for an image of your valid driver's license or state ID card, make sure there's nothing between your device's camera and the card that would obscure it.To use all the features of Apple Cash, you must verify your identity, and you may be asked to verify your identity based on how much you use Apple Cash.