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Apple Card is a credit card offered by Apple and Goldman Sachs that offers daily cash back, in-app data about your purchases and spending habits, and other benefits, and you can use it directly from iPhone in the Wallet app. You’ll get a physical Apple Card too, which is crafted out of a fancy metal material, making the physical card somewhat similar in appearance to other notoriously high end credit cards like the AmEx Centurion or JP Morgan Reserve card. But unlike those other high-end credit cards, the Apple Card is much more broadly accessible and without the same requirements to obtain.
If you like to use credit cards for cash back and the convenience they offer, and you have an iPhone, applying for Apple Card may be something you’re interested in.
How to Apply & Sign Up for Apple Card from iPhone
Note that you must have an iPhone to be able to apply for the Apple Card:
- Open the “Wallet” app on your iPhone
- Click on ‘Apply’ on the Apple Card promo, or click the “+” plus button to add an Apple Card
- Click continue and through the signup process
- Confirm your Apple ID, name, address, and other personal information as required by Apple Card
- Agree to the terms after reviewing interest rate and charges
- You’ll either be immediately approved for Apple Card and shown your credit limit and details to which you can approve and accept, or asked to submit additional documentation like taking a photo of your ID
If you are granted immediate approval than you can use the Apple Card right away with your iPhone and Apple Pay. If you have to submit additional documentation there will be a delay until you’re either approved, or denied.
The credit limits and interest rates vary on the individual persons credit scores and other details, and there seems to be a large range of numbers for both. If you’re not happy with what is offered to you, you can always reject the card, or close it.
Like all other credit cards, Apple Card charges interest (and at varying rates depending on your credit), so it’s best to use the credit card responsibly. Paying the card balance off in full before any interest is accumulated is one way to do that.
After you’re signed up, managing your Apple Card is also done through the Wallet app, and you can also have a live chat with customer service if needed, or call a phone number of course too.
While you’re in the Wallet app, you might also find it worthwhile to add other credit cards to Apple Pay on the iPhone too.
Note that if you’ve never setup Apple Pay you will need to do that as well in order to apply for and use Apple Card.