How to Get and Use Apple Card For Beginner Guide in 2023

The Apple Card is a credit card issued by Goldman Sachs and co-branded with Apple. It was first released in the United States in 2019 and has since become one of the most popular credit cards on the market.

The Apple Card is a great option for people who are looking for a credit card with a simple rewards program, low fees, and tight security features. It is also a good choice for people who are new to credit or who are looking to build their credit score.

Also: Set Up and Use Apple Pay Later

What’s the Apple Card?

The Apple Card is a credit card offered by Apple Inc. in partnership with Goldman Sachs. Launched in August 2019, it’s part of Apple’s broader push into financial services and is integrated with the Wallet app on iOS devices. Here are some key features and details about the Apple Card:

IssuersApple Inc. and Goldman Sachs
Card TypesDigital (in Wallet app) and physical titanium card
FeesNone (no annual, late, international, over-limit)
InterestVaries based on creditworthiness
SupportText-based in Wallet app
CompatibilityIntegrated with Apple Pay and other Apple services

Also: Use Apple Cash to Pay Apple Card Payment


  • Unlimited Daily Cash: 3% at Apple, 2% with Apple Pay at select merchants, and 1% for every payment.
  • No Fees: No annual, late, foreign-transaction, over-the-limit, returned-payment, setup, maintenance, or reward-redemption fees.
  • Design: In Titanium card, no visible card number, CVV, or expiration.
  • Wallet App: Manage balance, transactions, and payments via iPhone or iPad.
  • Apple Card Family: Share cards, set limits, and build credit together.
  • Apple Pay: Contactless payments in stores, online, and apps.

Note: Available only in the U.S.

Who is eligible for the Apple Card?

To be eligible for the Apple Card, you must be:

  • You must be 18 years old or older
  • U.S. citizen or lawful permanent resident
  • Have a valid U.S. address
  • You must also have a compatible Apple device and an iCloud account.
  • A good credit score (above 660) is necessary for Apple Card approval.

Also: See Apple Pay History

How to Get an Apple Card

To apply for the Apple Card, you can visit the Apple Card website or open the Wallet app on your iPhone or iPad.

Apply Using the Apple Card website

Tap on Apply Now for Apple Card
  • Enter your Email or Phone Number which is associated with your Apple ID.
Sign in with user Apple ID to apply for Apple Card
  • Now, Read Apple Card Features and Tap on “Continue”.
Tap on Continue for Apple Card Features Pop up
  • Enter your personal information, such as your name, address, and date of birth. Hit “Continue”.
Enter Your Personal Information and Tap on Continue
  • Answer some financial questions, such as your income and Social Security Number. Hit “Continue”.
Enter Your Socurity and Income details
  • Review and Tap on “Agree and Apply” to the Apple Card terms and conditions.
Apple Card Terms and Conditions

Apply with the Wallet app

  • Open the Wallet app on your iPhone or iPad. Tap the “+” button in the top right corner.
Tap on Plus button in Wallet app
  • Tap “Apply for Apple Card.”
Tap on Apply for Applr Card
  • Read the information and Tap on the “Continue” button.
Read Apple Card instructions and tap on Continue
  • Enter your personal information, such as your Name, Phone Number, and Date of Birth. Hit “Next” at the top-right corner.
Enter Your Personal Information and tap on Next
  • Answer some financial questions, such as your Estimated Annual Income, and tap on “Next.”
Enter Your Estimated Annual Income
  • Review Interest Rates & charges and Agree to the Apple Card terms and conditions.
Read Interest Rates & Charges and tap on Agree
  • Once You are Approved for an Apple Card. Then You can Tap on “Accept Apple Card.”
Approved for an Apple Card

Once you have submitted your application, you will usually receive a decision within minutes. If you are approved, you will be able to start using your Apple Card immediately with Apple Pay. You will also receive a physical titanium Apple Card in the mailbox.

How to Request an Apple Titanium Card

To get an Apple Titanium Card, you must first apply for an Apple Card. You can do this through the above process. Once you have applied and been approved, you will be able to choose between a physical titanium card and a virtual card. To Apply for a Titanium Card:

  • On your iPhone, launch the Wallet app and select Apple Card.
  • Click on the “More” button, then choose “Card Details.”
  • Scroll down and select “Order Titanium Apple Card.”

Once your Titanium Card is dispatched, you’ll receive a notification. The card will be sent to the billing address provided during your Apple Card application.

Note: This card can only be used if you have an iPhone, because every time you make a payment, iPhone authentication is required.

How to Activate Apple Titanium Card

After getting your card, you can’t use it right away. You need to activate it first. Here’s how to activate your Apple Titanium Card:

  • Open the packaging that has your Apple Card inside.
  • Hold your iPhone up to the bottom of the packaging that the card is in (where it has the iPhone icon).
Active Apple Card
  • A window pops up on your iPhone screen saying Apple Card. Tap on “Activate.”
Tap on Activate button to Active Apple Titanium Card
  • Tap “Continue” to use this card for purchase.
Tap Continue to Use for Apple Titanium card

How to Use Apple Card for Payment

Once you’ve activated your Apple Titanium Card, using it for payments is simple. Here’s how to do it:

  • Touch your card into the payment terminal.
Payment with Apple Titanium Card
  • Authenticate the transaction using Face ID on your iPhone.
  • Complete the transaction, and Get the Payment Done Message.
Payment is done using Apple Card

Your card can be used at any merchant that accepts Mastercard.

Use an Apple Card to Save Your Money…

The Apple Card is an excellent choice for beginners seeking a user-friendly credit card with solid rewards and low fees. Before applying, check your credit health. Once approved, integrate with Apple Pay for instant use. Used wisely, it’s a reliable tool for credit growth and financial management.


What is the Apple Titanium Card?

The Apple Titanium Card is a unique and stylish credit card crafted from a titanium blend. Not only does it stand out in style, but it’s also super secure. It skips the usual card number, CVV code, expiration date, and signature strip.

How do I get an Apple Titanium Card?

To get an Apple Titanium Card, you must first apply for an Apple Card. Once you have applied and been approved, you will be able to choose between a physical titanium card and a virtual card.

Are there any fees associated with the Apple Titanium Card?

No, the Apple Titanium Card is free from all typical fees, including annual and foreign transaction charges.

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