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.

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

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.

About your credit score

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.

About sharing an Apple Card

If you want to share an Apple Card with trusted family members or friends, set up Apple Card Family and invite friends or family to share your account.

If you don’t have an Apple Card, you can apply and if you are approved and accept your offer, you can set up Apple Card Family and invite friends or family.

You can also join a shared Apple Card account by getting an invitation from an account owner to co-own Apple Card. Once you receive the invitation, follow the onscreen instructions.4 You will be prompted to apply for 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:

• Use Apple Card to make purchases anywhere Mastercard is accepted and get unlimited Daily Cash.
• Manage your account in the Wallet app or from your Apple Card web account to make or schedule payments, download PDF statements, and see your balance.
• Set Apple Card as your default payment card for Apple Pay, the App Store, Apple Music, and other Apple services.
• If you have Apple Card Monthly Installments, you can see your plan in the Wallet app or see your plan online.
• Use Apple Card on all of your eligible devices. Learn how to add your Apple Card to your Apple Watch, iPad, or Mac.

• 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 purchase a particular Apple device.

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

See if you're eligible

• 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.
• Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
• You must sign in on your device with your Apple ID and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver License or State-issued photo ID.5

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. Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on the existing co-owner’s account before the accounts are merged. Each co-owner will be reported to credit bureaus as an owner on the account. In addition, co-owners will have full visibility into all account activity and each co-owner is responsible for the other co-owner’s instructions or requests. Credit reporting includes positive and negative payment history, credit utilization and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Addition of a new co-owner is subject to credit approval and general eligibility requirements. Learn about Apple Card eligibility requirements. Either co-owner can close the account at any time which may negatively impact your credit and you will still be responsible for paying all balances on the account. Learn about details on account sharing options including some of the risks and benefits.
5. If your photo ID won't scan properly, contact Apple Support.

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