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.
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:
|Issuers||Apple Inc. and Goldman Sachs|
|Card Types||Digital (in Wallet app) and physical titanium card|
|Fees||None (no annual, late, international, over-limit)|
|Interest||Varies based on creditworthiness|
|Support||Text-based in Wallet app|
|Compatibility||Integrated with Apple Pay and other Apple services|
- 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
- Go to the Apple Card Website and click the “Apply” button.
- Enter your Email or Phone Number which is associated with your Apple ID.
- Now, Read Apple Card Features and Tap on “Continue”.
- Enter your personal information, such as your name, address, and date of birth. Hit “Continue”.
- Answer some financial questions, such as your income and Social Security Number. Hit “Continue”.
- Review and Tap on “Agree and Apply” to the 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 “Apply for Apple Card.”
- Read the information and Tap on the “Continue” button.
- Enter your personal information, such as your Name, Phone Number, and Date of Birth. Hit “Next” at the top-right corner.
- Answer some financial questions, such as your Estimated Annual Income, and tap on “Next.”
- Review Interest Rates & charges and Agree to the Apple Card terms and conditions.
- Once You are Approved for an Apple Card. Then You can Tap on “Accept 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).
- A window pops up on your iPhone screen saying Apple Card. Tap on “Activate.”
- Tap “Continue” to use this card for purchase.
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.
- Authenticate the transaction using Face ID on your iPhone.
- Complete the transaction, and Get the Payment Done Message.
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.