Apple Card Overview Updated July 6, 2021

Apple Card

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141 'Apple Card' stories

March 2019 - April 2022

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Apple Card is the credit card designed by Apple and backed by Goldman Sachs. It offers a variety of perks and rewards, including 0% financing on Apple products. Here’s everything you need to know.


The application process for Apple Card is incredibly straightforward. Once you’re invited to apply, you can do so directly in the Wallet app on iPhone. Much of your information will be pre-filled based on your Apple ID.

Details like your address, phone number, and name are pre-filled based on my Apple ID information. You do have to enter my annual income, though. Once you enter all of your details, you’ll be presented with the Terms and Conditions. Once you agree, your application is submitted to Goldman Sachs for approval.

After your approval, you can request to have your physical titanium Apple Card delivered, with Apple saying it should come within 6-8 business days.

Apple Card Approval Odds

Variable APRs range from 10.99% to 21.99% based on creditworthiness. Apple highlights several factors that can affect approval:

  • If you’re behind on debt obligations or have previously been behind
  • If you have negative public records
  • If you’re heavily in debt or your income is insufficient to make debt payments
  • If you frequently apply for credit cards or loans
  • If your credit score is low

Apple Card is backed by Goldman Sachs, and Goldman Sachs uses TransUnion and other credit bureaus to evaluate your application. Apple says that if your FICO9 score is lower than 600, Goldman Sachs might not be able to approve you.

The Apple Wallet app

Everything you’ll need to do with Apple Card is managed through the Wallet app on iPhone. This has several benefits because it means everything is done at a system level. Details are closely aligned with your Apple ID, and there’s no need to log-in to a separate app every time you need to check your Apple Card.

The virtual card design of Apple Card is a neat, responsive heat map based on the different categories in which you’ve spent money. For instance, if you use Apple Card for Starbucks and App Store purchases, the card will be a mix of pink and orange.

For payments, it will let you pay your full balance, your statement balance, or any other amount. It will also show you detailed information about the interest fees associated with each payment option. You can also schedule autopay to coincide with paydays.

Tapping the three dots in the upper-right corner of the Apple Card interface in Wallet lets you quickly contact support through Apple Business Chat, on the web, or via phone. You can also manage your scheduled payments here. If you already have a bank account linked to Apple Pay Cash, you can use that same one for your credit card without having to reenter the information.

Also here you can view your credit details, as well as card information like your card number, expiration, and security code. You can also request a new card number if you think yours might have been compromised.

One of the most popular things about its integration with the Wallet app is how straightforward the transactions list is. Many card companies display a jumbled list of transactions and merchant IDs, but the Wallet app clearly shows you the merchant name and a map of where the transaction was made.

Apple Card Rewards

While you might find better cashback options than Apple Card, Apple’s implementation is by far the easiest to use. You earn 3% on Apple purchases, 2% on Apple Pay purchases, and 1% on any purchases made with the physical card. In the transactions list in the Wallet app, you’ll clearly see what each purchase earned you in cashback.

Apple Card 3% partners:

  • Apple
  • Uber and Uber Eats
  • Wallgreens
  • T-Mobile
  • Nike
  • Exxon and Mobil
  • Panera Bread

This means that anything billed through Apple, including Apple TV Channels, App Store and iTunes purchases, AppleCare, Apple Music, and in-app subscriptions, is eligible for 3 percent back. This also includes services like Apple TV+ and Apple Arcade. The moral of the story here is that you likely won’t find much better than 3% for those recurring subscriptions.

Because it runs on the MasterCard network, you also get access to those benefits as well, including things like MasterCard travel deals, special events, and more. Once the card is more widely available, you’ll be able to view all of those benefits here.

Cashback is delivered daily through what Apple calls “Daily Cash.” At the end of every day, you’ll receive an Apple Pay Cash credit for your rewards for the day. You can either spend this money using Apple Pay Cash or transfer it to your bank This is far better and more intuitive than other card companies, which often credit cashback once a billing cycle.

0% Financing

Apple Card also offers 0% on Apple product purchases. This includes nearly every Apple product, such as iPhone, iPad, Mac, AirPods, Apple Watch, and most accessories.

The financing options vary by product. For example, higher-priced items like the Mac and iPad Pro offer 12-month financing with 0% interest. Cheaper items like AirPods and AirPods Pro offer 6-month financing with 0% interest. Apple Watch is excluded from these financing options for unknown reasons.

For example, you can finance AirPods Pro with 0% interest for 6 months, which equates to $41.50 per month. AirPods with Wireless Charging Case can be financed for $33.16 per month. You can finance a 16-inch MacBook Pro starting at $199.91 for 12 months.

How to buy with Apple Card Monthly Installments:

  1. Select Apple Card Monthly Installments when you check out
  2. Since you already have Apple Card, you’ll skip the application process
  3. Complete your purchase

Physical Apple Card

After your approval, you can request to have your physical titanium Apple Card delivered, with Apple saying it should come within 6-8 business days.

The physical card does not display your card number, so you’ll have to go to the Wallet app to view that information. For online purchases where Apple Pay is not accepted, your card number is automatically added to Safari to easily complete the transaction.


Apple Card has no fees, including foreign transaction fees, annual fees, balance transfer fees, and more. For many people, this should be a factor when rewards shopping, as many cards with more lucrative rewards might have a steep annual fee.

Apple Car uses a “semi-permanent” card number. This means you use the same number until you have an issue. When you do, you can easily request a new number via the Wallet app. There’s no support for per-transaction card numbers at this point.

Apple Card Family

In April, Apple officially announced its new Apple Card Family feature. This feature lets users share the same Apple Card with other family members. Apple says that it created this feature to “reinvent how spouses, partners, and the people you trust most share credit cards and build credit together.”

Apple Card customers can add up to five people to their Apple Card account by sharing Apple Card with them in the Wallet. All users must be part of the same Family Sharing group in order to be invited to Apple Card Family, and be 13 years of age or older.

Apple says that Apple Card can be shared with any eligible user who is 18 years or older as a co-owner so that both users build credit together. This gives you the flexibility of a combined limit and transparency into each other’s spending. You also share the responsibility of making payments and deliver the convenience of a single monthly bill to pay.

Apple Card Family is available now with iOS 14.6, which was released in May. Coming later this summer, Apple Card users will be able to merge two accounts.

Apple Card Stories April 15

Apple has released a new lighthearted ad for Apple Card today highlighting the ability to apply and use the credit card in just “minutes.” The commercial is set in a grocery store where a person walks up to the register with a partially eaten candy bar before realizing he has no way to pay for it.

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Apple Card Stories March 23

Brits have been wondering when we might see a UK Apple Card ever since the US launch back in 2019. A new report today suggests that the company may now be preparing the ground.

Apple has acquired a UK startup company which takes a new approach to assessing the credit-worthiness of finance applicants …

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Apple Card Stories February 24

Back in 2020, Mint debuted the ability to integrate your Apple Card within your account. After serious issues affecting its use, this feature was temporarily removed. Apple Card users have the opportunity once again to integrate their card usage within the Mint app.

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Apple Card Stories February 11

Apple appears to be addressing a long-running complaint from Apple Card users. In a new email going out to select Apple Card customers this week, Apple says that it has learned of instances where customer-initiated disputes “maybe have been resolved incorrectly” by Goldman Sachs.

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Apple Card Stories January 31

Today is the payment due date for many Apple Card users, and Apple servers are suffering from a poorly-timed outage. According to Apple, “Apple Pay services are currently unavailable” and users “may not be able to add Apple Card to Wallet, pay their bill, apply for Apple Card.”

Update: Apple says this issue has been resolved.

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Apple Card Stories December 26, 2021

Apple offers 5% cashback for new Apple Card signups on select products

Apple is offering a special holiday cashback deal for new Apple Card owners signing up between December 26 and January 31. Purchases eligible for the 5% cashback offer include outright hardware purchases of iPhone, iPad, Mac and Apple Watch.

Apple Card Stories November 15, 2021

Apple is extending its offer to convert eligible purchases from one-time payments into Apple Card Monthly Installments. The company says that customers now have until December 15, 2021, to request to have eligible purchases converted to an Apple Card Monthly Installment.

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Apple Card Stories November 5, 2021

One of Apple’s best services is Apple Card. Sure, it might just be another credit card that happens to have a really great app in Wallet, but Apple Card could be much more than that. Currently, Apple Card offers excellent customer support, powerful security features, and one of the best physical cards you can get your hands on. Folks like Mark Gurman over at Bloomberg have been wondering, though, what could be next for Apple Card? We’ve been wondering the same thing, and here’s a dive into our ideas.

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Apple Card Stories November 4, 2021

Apple is running an Apple Card promo this month encouraging users to take advantage of Apple Card Family for sharing with friends and family members. Apple says that if you add a new Apple Card user to your account, they’ll receive $10 Daily Cash when they make their first purchase.

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Apple Card Stories October 22, 2021

After over a day of confusion among users, Apple has officially confirmed that Apple purchases using Apple Card are only eligible for 3% Daily Cash. This comes after many Apple Card users noticed that Apple purchases were showing 6% Daily Cash yesterday. Head below for the full details.

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Apple Card now offering 6% Daily Cash back on purchases from Apple [U: Error]

Update October 22, 2021: This appears to have been an error on Apple’s end. New purchases are no longer showing 6% Daily Cash. The company has not yet responded to 9to5Mac’s request for clarification.

Apple appears to be rolling out an upgraded Daily Cash back offer for Apple Card users. As first spotted by Tailosive Tech on Twitter and confirmed by 9to5Mac, Apple is now offering 6% Daily Cash back on purchases made from the Apple Online Store.

Apple Card Stories October 15, 2021

Apple Card 0% financing was first launched in 2019 for iPhone, and later extended to other Apple products. However, some people apparently missed out because they failed to select the correct option at checkout.

The company is now reaching out to customers who may have been affected, and offering to switch them to the 0% deal …

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Apple Card Stories October 1, 2021

If you experienced any problems with Apple Card this Friday, it’s not just you. Apple has just confirmed an Apple Card outage on its System Status website that has been affecting some users.

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Apple Card Stories September 3, 2021

Apple is teaming up with Panera Bread in the United States for an exclusive new promotion. After teaming up for 3% cash back last year, new Apple Card users can now earn a $50 in Daily Cash when they spend $50 or more at Panera Bread with Apple Pay.

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Apple Card Stories August 19, 2021

New research by J.D. Power 2021 US Credit Card Satisfaction Study shows that Apple Card is the only card issued by Goldman Sachs, which ranked highest among the Midsize Credit Card segment and received a chart-topping score of 864.

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Apple Card Stories August 4, 2021

Apple today began promoting its online services through “exclusive offers” to Apple Card users in the United States. Users have been noticing a new section in the Wallet app that offers special deals related to Apple’s own services for Apple credit cardholders.

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Apple Card Stories July 20, 2021

Update: According to some of our readers, it’s possible to combine Apple Card accounts even with an active installment plan. We reached out to Goldman Sachs to understand what happened to the case described below and a spokesperson said “we want customers to know that accounts in good standing, whether or not they have active installment plans, can merge their accounts.”

With iOS 14.7, Apple announced that Apple Card Family members can combine credit limits to create a co-owned account with the lower of the two APRs. If you’re having trouble doing that, there’s a catch if you’ve financed an Apple purchase, so here’s how to solve it.

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Apple Card Stories June 20, 2021

With the release of iOS 14.6 last month, Apple officially launched its new Apple Card Family platform. This allows Apple Card users to add a co-owner and authorized users with Apple’s Family Sharing platform, including support for Daily Cash rewards. Since Apple Card Family launched last month, however, it appears many users are unable to access Apple Card rewards, among other quirks.

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Apple Card Stories June 16, 2021

Apple confirms some Apple Card users are currently unable to make in-store purchases [Fixed]

After seeing an Apple Card outage earlier this month that affected all users, the credit card is seeing downtime again this morning which is preventing some from using it for in-store purchases.

Update 6/16 3:41 am PT: Fixed!

Apple Card Stories June 8, 2021

Apple Card debuted in 2019 and has added a handful of new features and perks since then. With this fall’s release of iOS 15, Apple Card is adding another new security feature that Apple is calling Advanced Fraud Protection.

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Apple Card Stories June 2, 2021

[Update: Resolved] It’s not just you, Apple confirms Apple Card outage affecting all users

Apple Card is seeing downtime this morning and Apple says the outage is impacting all users.

Apple Card Stories May 24, 2021

Apple Card Family Sharing was announced back at the company’s Spring Loaded event in April. Now with iOS 14.6, some of the features are officially live and bring a lot more flexibility to the credit card. And two new videos today highlight how to share Apple Card with family members who are 13 or older.

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Apple Card Stories May 6, 2021

Apple announced at its special event last month a new feature called “Apple Card Family,” which, as the name suggests, lets users share the same Apple Card with other family members via iCloud Family Sharing. While this new feature is not yet available to users, Apple this week shared a new support article with more details about Apple Card Family.

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Apple Card Stories April 20, 2021

As first revealed by 9to5Mac, Apple today introduced at its “Spring Loaded” special event a new feature called “Apple Card Family,” which lets users share the same Apple Card with other family members via iCloud Family Sharing.

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