Apple Card Now Available to All Customers in United States

Apple Card, the Apple-branded credit card that Apple is launching in partnership with Goldman Sachs, is available for everyone in the U.S. starting today following a preview period that launched a few weeks ago for some customers.

Potential customers can apply for the ‌Apple Card‌ using the Wallet app, and after approval, can begin using the digital portion of the card for online and Apple Pay purchases immediately.

applecardinwallet
‌Apple Card‌ availability is subject to approval, and customers need to qualify for ‌Apple Card‌ similar to any other credit card. ‌Apple Card‌ offers an APR between 12.99 and 23.99 percent based on credit score.

Apple will ship a physical titanium credit card to ‌Apple Card‌ users within a few days, providing an actual card for traditional credit card purchases. The titanium card is engraved with the cardholder's name, but features no card number, expiration date, or CVV for privacy purposes.

applecardtitanium
This information is still available, but it is accessible through the Wallet app. The card features a traditional magstripe along with a built-in chip for making purchases within stores.

‌Apple Card‌ can be used for both standard purchases and ‌Apple Pay‌ purchases, with Apple providing rewards for both. Customers will get 3 percent cash back for purchases made at an Apple Store, 2 percent cash back for all ‌Apple Pay‌ purchases, and 1 percent cash back for all other purchases.

applecarddailycashlist
Cash back is provided in the form of "Daily Cash" that, as the name suggests, is paid out to customers on a daily basis. Daily Cash is added to the Apple Cash card in Wallet and can be used for purchases, sent to friends, or transferred to a bank account.

‌Apple Card‌ is deeply integrated into the Wallet app and Apple is offering spend tracking and budgeting tools. Color-coded categories will give users an idea of how much money they're spending on food, activities, shopping, health care, entertainment, and more.

applecardoverview
Apple will send notifications every time a purchase is made so users can monitor for fraudulent activity, and Apple is using machine learning and Apple Maps to make sure every single transaction made is clearly identified.

applecardentertainmentcategories
The Wallet app also helps out with payments, offering up multiple payment options and ways to minimize interest through higher, more regular payments. ‌Apple Card‌ will encourage customers to pay a bit more than the minimum each month to cut down on interest fees. Payments can be scheduled weekly, biweekly, and monthly, and can be made using a bank account just like any other credit card.

applecardinteresttool
‌Apple Card‌ is limited to the United States at the current time, but may expand to additional countries in the near future. Apple is already in talks with European regulators, and has trademarked ‌Apple Card‌ in Europe, Hong Kong, and Canada.

‌Apple Card‌ is a no fee credit card. There are no annual fees, international fees, fees for making a late payment, or fees for exceeding your credit limit, which means there are no penalty rates for missing a payment. For more details on the ‌Apple Card‌, make sure to check out our Apple Card guide.

Popular Stories

Beyond iPhone 13 Better Triad

Apple's 20th Anniversary iPhone May Finally Go All Screen

Tuesday April 15, 2025 6:31 am PDT by
Apple is preparing a "bold" new iPhone Pro model for the iPhone's 20th anniversary in 2027, according to Bloomberg's Mark Gurman. As part of what's being described as a "major shake-up," Apple is said to be developing a design that makes more extensive use of glass – and this could point directly to the display itself. Here's the case for Apple releasing a truly all-screen iPhone with no...
iPhone 17 Pro 3 4ths Perspective Aluminum Camera Module 1

iPhone 17 Pro Launching Later This Year With These 12 New Features

Sunday April 13, 2025 7:52 am PDT by
While the iPhone 17 Pro and iPhone 17 Pro Max are not expected to launch until September, there are already plenty of rumors about the devices. Below, we recap key changes rumored for the iPhone 17 Pro models as of April 2025: Aluminum frame: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and iPhone 16 Pro models have a titanium frame, and the iPhone ...
iOS 19 Roundup Feature

iOS 19 Will Add These New Features to Your iPhone

Tuesday April 15, 2025 7:37 am PDT by
The first iOS 19 beta is less than two months away, and there are already a handful of new features that are expected with the update. Apple should release the first iOS 19 beta to developers immediately following the WWDC 2025 keynote, which is scheduled for Monday, June 9. Following beta testing, the update should be released to the general public in September. Below, we recap the key...
CarPlay Hero

Apple Releases Wireless CarPlay Fix

Wednesday April 16, 2025 11:28 am PDT by
If you have been experiencing issues with wireless CarPlay in your vehicle lately, it was likely due to a software bug that has now been fixed. Apple released iOS 18.4.1 today, and the update's release notes say it "addresses a rare issue that prevents wireless CarPlay connection in certain vehicles." If wireless CarPlay was acting up for you, updating your iPhone to iOS 18.4.1 should...
iphone 16 pro models 1

17 Reasons to Wait for the iPhone 17

Thursday April 17, 2025 4:12 am PDT by
Apple's iPhone development roadmap runs several years into the future and the company is continually working with suppliers on several successive iPhone models simultaneously, which is why we often get rumored features months ahead of launch. The iPhone 17 series is no different, and we already have a good idea of what to expect from Apple's 2025 smartphone lineup. If you skipped the iPhone...
Apple 2025 Thumb 1

10 Products Still Coming From Apple in 2025

Friday April 11, 2025 4:14 pm PDT by
Apple may have updated several iPads and Macs late last year and early this year, but there are still multiple new devices that we're looking forward to seeing in 2025. Most will come in September or October, but there could be a few surprises before then. We've rounded up a list of everything that we're still waiting to see from Apple in 2025. iPhone 17, 17 Air, and 17 Pro - We get...
iOS 18

Apple Releases iOS 18.4.1 With Bug Fixes

Wednesday April 16, 2025 10:11 am PDT by
Apple today released iOS 18.4.1 and iPadOS 18.4.1, minor updates to the iOS 18 and iPadOS 18 operating systems that came out last September. iOS 18.4.1 and iPadOS 18.4.1 come two weeks after the launch of iOS 18.4 and iPadOS 18.4. The new software can be downloaded on eligible iPhones and iPads over-the-air by going to Settings > General > Software Update. There have been complaints about ...
iPhone 6s MacRumors YouTube

Apple Says These Products Are Now Vintage

Tuesday April 15, 2025 9:53 am PDT by
Apple today updated its vintage products list to add the 2018 Mac mini and the iPhone 6s, devices that will get more limited service and repairs now that they are considered vintage. The iPhone 6s initially launched in 2015, but Apple kept it around as a low-cost device until 2018, which is why it is only now being added to the vintage list. The iPhone 6s had Apple's A9 chip, and it was...
macOS Sequoia Feature

Apple Releases macOS Sequoia 15.4.1 With Bug Fixes

Wednesday April 16, 2025 10:16 am PDT by
Apple today released macOS Sequoia 15.4.1, a minor update to the macOS Sequoia operating system that launched in September. macOS Sequoia 15.4.1 comes two weeks after the launch of macOS Sequoia 15.4. Mac users can download the ‌‌macOS Sequoia‌‌ update through the Software Update section of System Settings. It is available for free on all Macs able to run macOS 15. According to...

Top Rated Comments

benshive Avatar
74 months ago
Just signed up for one. The offered credit limit was over twice the credit limit on my current card :)
[doublepost=1566307293][/doublepost]
Haha, no silly. You get charged interest after the first month. It's the privilege of having an Apple logo on your card. Precisely why I'm not getting one. It's a rip off and a joke. Bring this to other credit card companies and I think it would be neat, but I'm sure GS has a exclusivity agreement for taking this one similar to what ATT had back in the day.

Difference here is my reception is a non issue with this product. Actually better with competitors.
If you're using the card right you won't be charged interest for the first year or any year because you'll pay the balance off each month.
Score: 22 Votes (Like | Disagree)
960design Avatar
74 months ago
Just got mine:
17.99% with a 800+ credit score and over 100k / year income.
My only debt is my house and it is currently worth twice what I owe on it.
How the heck do I get 12.99%? Million / year income?

I pay off my current Amazon credit card every month. I use it for everything to get free books!
I think this card it a bit out of my league.
Score: 12 Votes (Like | Disagree)
BootsWalking Avatar
74 months ago
I would never join a club that would have me as a member.
Score: 11 Votes (Like | Disagree)
cra_cra Avatar
74 months ago
Haha, no silly. You get charged interest after the first month. It's the privilege of having an Apple logo on your card. Precisely why I'm not getting one. It's a rip off and a joke. Bring this to other credit card companies and I think it would be neat, but I'm sure GS has a exclusivity agreement for taking this one similar to what ATT had back in the day.

Difference here is my reception is a non issue with this product. Actually better with competitors.
A rip off and a joke? Please explain....

I made $900 last year on my Capital One at 1.5%. Pay it off every month. No interest.
So with the Apple Card, I'll 3% on my monthly Apple stuff, and 2% on Apple Pay.

So explain to us "dummies" how this card is a rip off and a joke?
Score: 11 Votes (Like | Disagree)
IIGS User Avatar
74 months ago
If everyone can have it, why would I want it?

It's not exclusive anymore, like my iPhone 3GS....
Score: 11 Votes (Like | Disagree)
kevmclane Avatar
74 months ago
Wow I thought I was just lucky when I randomly tried the wallet app like 20 minutes ago lol. Got my card and titanium card will be here soon!
Score: 9 Votes (Like | Disagree)