Apple Card is a credit card built into the iPhone Wallet app. It has no annual fee, no late fees and no foreign transaction fees, and it pays Daily Cash every day. In January 2026, it was announced that JPMorgan Chase will become the new issuer of Apple Card, taking over from Goldman Sachs over a transition period. If you are wondering how to apply for Apple Card right now, this guide explains the requirements, the steps and what the issuer change means for you.
Apple Card at a Glance
| Feature | Details |
|---|---|
| Issuer / network | Apple / Goldman Sachs (moving to JPMorgan Chase) / Mastercard |
| Annual fee | $0 |
| Intro APR | None (0% Apple Card Monthly Installments on eligible Apple products) |
| Regular APR | 17.49%–27.74% (variable) |
| Welcome offer | No standard welcome bonus |
| Foreign transaction fee | None |
| Recommended credit | Fair to good |
How the Apple Card Earns Rewards
Apple Card pays Daily Cash:
- 3% Daily Cash on purchases at Apple and select merchants when you use Apple Pay (such as Uber, Uber Eats, Walgreens, Nike, Exxon Mobil stations, Booking.com, Hertz, Ace Hardware and ChargePoint — list can change)
- 2% Daily Cash when you pay with Apple Pay
- 1% Daily Cash with the physical titanium card or card number
Key Benefits
- No annual, late, foreign transaction or over-limit fees
- Daily Cash can go into a high-yield Apple Savings account
- Apple Card Family to share with household members
- Spending insights, colour-coded categories and payment planning tools
Who Should Apply for the Apple Card?
Apple Card is great for iPhone users who pay with Apple Pay often and want a simple, fee-free card with strong budgeting tools. People with fair credit who are building their profile also consider it. If you do not use an iPhone, you cannot apply.
Eligibility Requirements
Card issuers in the United States do not publish one fixed approval formula, but most applicants who are approved for the Apple Card share a few things in common:
- Be at least 18 years old (21 in some cases unless you show independent income).
- Have a valid U.S. address and a Social Security Number or ITIN.
- A credit score in the fair to good range, with no recent serious delinquencies.
- Enough income to support new credit — issuers review income against your monthly debts and housing cost.
- A reasonable number of recent applications and new accounts.
Apple / Goldman Sachs (moving to JPMorgan Chase) Application Rules to Know
You can see whether you are approved, along with your credit limit and APR, before accepting — the initial check is a soft inquiry. A hard inquiry happens only when you accept the offer.
Step-by-Step: How to Apply for the Apple Card
The full application usually takes about 10 minutes online. Follow these steps to apply safely and improve your chances:
- Check your credit first. Pull your free reports at AnnualCreditReport.com and check your score in your banking app. Fix any errors before applying.
- Use the prequalification tool. Apple Card shows your offer (limit and APR) in the Wallet app before you accept, and checking does not affect your credit score. A soft check does not affect your credit score and shows whether you are likely to be approved.
- Gather your details. You will need your full name, date of birth, SSN or ITIN, home address, phone, email, annual income, employment status and monthly housing payment.
- Go to the official page yourself. Type the issuer address into your browser or use the official link at the end of this article. Never apply through links in unsolicited emails or texts.
- Fill in the application carefully. Enter income accurately — you can usually include income you can reasonably access, such as a spouse’s income if you are over 21.
- Read the terms and pricing table. Check the APR, fees and the exact bonus terms shown on your application screen.
- Submit and wait for a decision. Many applicants get an instant answer. Others see “pending” and receive a decision by email or mail within 7–10 business days.
What Happens After You Apply?
If you are approved, your card usually arrives in 7–10 business days. Activate it online or in the app, set up autopay for at least the minimum payment, and turn on transaction alerts. Track your progress toward the welcome offer spending requirement in the app.
If Your Application Is Pending or Denied
A pending decision often means the issuer needs to verify your identity or income. You may be asked to call or upload documents. If you are denied, you will receive an adverse action letter explaining the main reasons. You can call the reconsideration line to ask for a second review, or wait 3–6 months, improve the reason given, and try again. Follow the Path to Apple Card steps, reduce utilization, and reapply after improving your credit.
Pros and Cons
| Pros | Cons |
|---|---|
| No fees at all | iPhone or iPad required |
| Daily Cash paid daily | Only 1% with physical card |
| Excellent budgeting tools | No sign-up bonus |
| See offer before hard inquiry | Issuer transition underway |
Tips to Get the Most From the Apple Card
- Use Apple Pay whenever possible to earn 2%.
- Send Daily Cash to Apple Savings to grow it.
- Use Monthly Installments for Apple products at 0%.
- Set up automatic payments in Wallet.
Requirements to Apply for Apple Card
- An iPhone or iPad with the latest iOS/iPadOS and two-factor authentication on your Apple Account
- At least 18 years old and a U.S. resident with a valid U.S. address (no P.O. boxes)
- Social Security Number or ITIN
Apple Card Issuer Change: Goldman Sachs to JPMorgan Chase
In January 2026, JPMorgan Chase was announced as the new Apple Card issuer. The transition is expected to take time, so Goldman Sachs may still be listed as the issuer for now. Existing cardholders should receive notices about any changes. New applicants should read the agreement shown during the application to see which bank is issuing the card at that time.
Path to Apple Card
If you are declined, Apple may invite you to the Path to Apple Card program, which gives personalised steps to improve your profile and reapply later.
Frequently Asked Questions
How do I apply for Apple Card?
Open the Wallet app, tap the plus (+) button, choose Apple Card, enter your details and review the offer before accepting.
Does applying for Apple Card hurt my credit?
Checking your offer is a soft inquiry. Accepting the offer results in a hard inquiry.
Can I use Apple Card without an iPhone?
You need an iPhone or iPad to apply and manage the account, although the physical card works anywhere Mastercard is accepted.
Who issues Apple Card now?
Goldman Sachs has been the issuer, and JPMorgan Chase is taking over during a multi-month transition announced in 2026.
Final Thoughts
Apple Card is simple, fee-free and tightly integrated with your iPhone. Apply in the Wallet app, review the offer before accepting, and use Apple Pay to earn the best Daily Cash rates.
Helpful Official Links
- Apple Card official page
- CFPB: Credit card basics
- Free credit reports – AnnualCreditReport.com
- More credit card guides on 123 SEO Tools
