Discover How to get an Apple Credit Card

The Apple credit card was announced in March 2019, and it became available soon afterward, in August 2019. The Apple Card is available for people living in the United States (at the moment). It’s meant to promote Apple beyond mobile payments to the universe of credits and financial operations.

Goldman Sachs issues the Apple credit card, and it comes with high-security features and no administrative fees. However, there are many other great features of this credit card.

Read on to find out more details about Apple’s credit card. Let’s start!

Discover How to get an Apple Credit Card

Features of the Apple Credit Card

Apple Card comes with some excellent features. We didn’t expect otherwise since we know Apple’s legacy, and the company’s struggle to make all its products function as good as possible.

Here are some of the primary features of the Apple credit card.

  • Max. 3% cashback
  • Zero fees
  • Special daily cashback
  • International acceptance, wherever Mastercard is available
  • The possibility to order a physical Apple credit card
  • Works with the Wallet apps on your iOS device
  • Tracks your spending
  • The friendly user interface in the app
  • Monthly statements
  • Competitive rewards system

Apple Card’s Benefits

There are many benefits when it comes to applying for the Apple credit card. Among the best ones, we have the following.

  • Fast application and approval processes
  • Your credit score won’t be affected if you decline the offer or your applications is not approved
  • You can review the Annual Percentage Rate before signing the contract
  • Daily Cash program increases the amount of cashback on your everyday purchases

How to Apply for Apple Card

To apply for the Apple credit card, you can go to the Wallet app on your iPhone and tap on the “plus” symbol. Select Apple Credit and continue the process. Note that you must be logged in to iCloud using your Apple ID.

Then, fill in the form with your first and last name, home and/or correspondence address, country of citizenship, last four digits of your SSN, and your income per year. Your annual income should include anything provable, such as self-employment income, dividends, retirement income, etc. Next, you must accept the terms and conditions to send the application to Goldman Sachs for approval.

If you’re approved for the Apple credit card, you’ll receive more information with the APR and other details and the limit of the credit. You’ll have up to 30 days to accept or decline the offer. In the meantime, your credit score won’t be affected.

Once you have accepted your Apple Card, you can start using it via Apple Pay. For transactions outside the Apple universe, you must use the physical Apple credit card that you can order. Note that the issuer, Goldman Sachs, might ask for additional details before approving your applications.

All Apple Card applications are evaluated here.

Who is Eligible

The eligibility criteria are in line with those of other credit cards across the United States. Accordingly, here is what you need to know.

  • At least 18 years of age, depending on the state you live in
  • You must be a US citizen or a valid US resident with a physical home address (PO boxes are not accepted)
  • An iPhone with the latest iOS version installed
  • Apple ID with two-factor authentication
  • Active iCloud via Apple ID
  • No freeze on your credit report
  • A photo ID or a valid driver license for the identity verification

Fees and Interest

The Apple credit card comes with no fees whatsoever. It’s among the few credit cards in the market to sport this excellent feature. On the other hand, the Annual Percentage Rate (APR), varies between 12.99% and 23.99%, depending on your credit history, annual income, and other factors.

However, the Apple credit card comes with no interest-free financing options. Accordingly, when you use all your credit line on one purchase, you will have to pay the whole sum in full to not pay additional interest. For more details or assistance, you can contact Apple support.

Bank Contact Info

You can contact the customer service team on the following number: (800) 800–692–7753.

Or you can send mail to: 200 West Street New York, NY 10282, United States.

All cards are issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Discover How to get an Apple Credit Card


Apple is not only a tech company anymore. It planned to enter the financial market and did it with Apple Pay, the Wallet app, and, more recently, with Apple Card. In short, the Apple credit card is an ideal asset that every iPhone fan must-have. With no monthly or annual fees and variable APR, Apple Card is great.

If you need to earn some extra money to help service your card or to help you out of a sticky situation, take a look here.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.