Yes, Apple offers a credit card called Apple Card
Apple Card is a credit card issued by Goldman Sachs and managed through the Wallet app on your iPhone, iPad, or Apple Watch. It is a real credit card — not a prepaid card or a store card — that you can use anywhere Visa is accepted. You explore for it directly through Apple's Wallet app, and if you're approved, the card appears in your digital wallet when ready.
Apple Card works differently from traditional plastic cards because it exists primarily as a digital card in your phone. You can request a physical titanium card to be mailed to you, but most transactions happen through your device. The card is linked to your Apple ID and uses biometric authentication — Face ID or Touch ID — to authorize purchases.
The card carries an annual percentage rate (APR) that varies based on your creditworthiness and current market conditions. There is no annual fee, no foreign transaction fees, and no late fees. You earn cash back on purchases, with the percentage varying by merchant category.
Key Takeaways
- Apple Card is a Visa credit card you manage through your iPhone's Wallet app, with no annual fee and no late fees.
- You can use it anywhere Visa is accepted, either as a digital card on your phone or as a physical titanium card mailed to you.
- Cash back rates range from 1% to 3% depending on where you shop, with higher rewards for Apple purchases and certain merchants.
- You must have an iPhone to explore and be approved through a credit check, just like any other credit card.
how the process works for Apple Card through your iPhone
Open the Wallet app on your iPhone and tap the plus sign in the upper right corner. Select "Credit or Debit Card," then choose "Apple Card." You'll be asked to confirm your identity and enter personal information including your Social Security number, date of birth, and address.
Apple will run a credit check with Experian. The approval decision comes back within minutes in most cases. If you're approved, the card appears in your Wallet when ready and you can start using it right away for contactless payments. A physical card will arrive by mail within a few business days if you request one.
You need an iPhone 6s or newer running the current version of iOS to explore. You also need to be at least 18 years old and have a valid U.S. address and Social Security number. Apple does not currently offer Apple Card to residents of all U.S. states — check Apple's website to confirm your state is included.
What cash back rates you earn with Apple Card
Apple Card cash back is called "Daily Cash" and it posts to your account the same day you make a purchase. The rates are: 3% on purchases from Apple, Apple Music, Apple TV+, and Apple Books; 2% on purchases made with the physical card or at merchants using Apple Pay; and 1% on all other purchases made with the physical card.
When you use the digital card in your Wallet app, you earn 2% cash back at most merchants. The exception is Apple's own services and products, where you always earn 3%. There is no cap on how much Daily Cash you can earn, and it never expires.
You can use your Daily Cash to pay your Apple Card bill, transfer it to your linked bank account, or send it to another person through Apple Pay. Some users choose to let it accumulate and explore it as a statement credit.
How Apple Card interest rates and fees work
Apple Card has no annual fee, no late fees, and no penalty APR. There are no foreign transaction fees if you use it abroad. The regular APR varies by person and is determined during the approval process based on your credit history and current credit conditions.
You can see your APR before you finish explore, and you can decline the card if you don't want to accept that rate. Once approved, your APR appears in the Wallet app along with your current balance and payment due date. If you carry a balance month to month, interest accrues daily on the unpaid amount.
Apple Card does charge interest on cash advances and balance transfers at a higher rate than regular purchases. There is also a fee for cash advances, though the exact amount is disclosed before you complete the transaction.
Where you can use Apple Card
Apple Card works anywhere Visa is accepted, both in the United States and internationally. You can use the digital card in your Wallet app for online shopping, in-app purchases, and contactless payments at physical stores. The physical titanium card works at any merchant that accepts Visa, including ATMs for cash withdrawals.
Some older merchants or payment systems may not accept contactless payments, which is why Apple offers the physical card option. You can switch between the digital and physical card depending on the situation — use your phone when possible to earn 2% cash back, and use the physical card when the merchant doesn't support Apple Pay.
Apple Card is not accepted at gas pumps that require a physical card to be inserted, and some merchants may have restrictions on digital wallet payments. If you run into a merchant that won't take Apple Card, you can use a different payment method or contact Apple Support to report the issue.
How Apple Card compares to other rewards credit cards
Apple Card's main advantage is simplicity and integration with your iPhone. The cash back is straightforward — no categories to track, no rotating bonuses to remember. The 3% rate on Apple purchases is competitive, and the 2% rate on Apple Pay transactions is higher than many cards offer for everyday spending.
Other rewards cards may offer higher cash back in specific categories like groceries, gas, or dining, or they may offer sign-up bonuses. Some cards offer travel rewards or points that can be redeemed for flights and hotels. Apple Card does not offer these features — it is purely a cash back card with no sign-up bonus.
The lack of fees is a genuine advantage. Many rewards cards charge annual fees ranging from $95 to $550, and many charge late fees. If you carry a balance, the APR matters more than the cash back rate, and Apple Card's APR is not may provide to be lower than competitors.
What happens if your Apple Card process is denied
If your process is denied, the Wallet app will tell you when ready. You can request to know the reason, which is usually related to credit history, income, or other factors in your credit report. You have the right to request a free credit report from each of the three major credit bureaus — Equifax, Experian, and TransUnion — once per year through AnnualCreditReport.com.
If you were denied due to a credit score issue, you can work on improving your credit before explore again. If you were denied for another reason, you can contact Goldman Sachs customer service through the Wallet app to ask whether you can reapply or what circumstances might change.
Being denied for Apple Card does not hurt your credit score beyond the hard inquiry that Goldman Sachs runs. You can explore again after a waiting period, though Apple does not publish an official timeframe for reapplying.
Frequently Asked Questions
Can I use Apple Card without an iPhone?
No. Apple Card requires an iPhone to explore and manage. You can request a physical titanium card to use at merchants that don't accept Apple Pay, but you still need an iPhone to set up the account and view your balance and statements.
What's the difference between the digital card and the physical card?
The digital card in your Wallet app earns 2% cash back at most merchants and 3% at Apple. The physical titanium card earns 1% cash back at most merchants and 3% at Apple. Use the digital card whenever possible to earn the higher rate. The physical card is useful at merchants that don't accept contactless payments.
Does Apple Card report to the credit bureaus?
Yes. Apple Card is reported to Experian, Equifax, and TransUnion, so it will show up on your credit report and affect your credit score. Making on-time payments helps build your credit history, and carrying a high balance relative to your credit limit can lower your score.
Can I pay my Apple Card bill with a different card?
You can pay your bill from a linked bank account, or you can use your Daily Cash cash back to pay it. You cannot pay with another credit card directly through Apple, though some banks allow you to transfer money between accounts and then pay from there.
What if I lose my iPhone or my card is stolen?
You can freeze or cancel your card when ready through the Wallet app. If your iPhone is lost, you can use Find My iPhone to remotely disable it, which also disables Apple Card. A replacement physical card can be ordered through the Wallet app and will arrive within a few business days.