Apple Card: All the Details on Apple's Credit Card

Friday April 3, 2020 10:06 AM PDT by Juli Clover

Apple in August 2019 released the Apple Card, a credit card that's linked to Apple Pay and built right into the Wallet app. Apple is partnering with Goldman Sachs for the card, which is optimized for ‌Apple Pay‌ but will still works like a traditional credit card for all of your transactions.

There's a lot of fine print associated with the new Apple Card, so we've created this guide to provide details on what you can expect when signing up for the card. Apple first made the card available to a select number of customers in early August before opening up the card to everyone later in the month.

How do you get the Apple Card?

Signing up for Apple Card is as simple as opening up the Wallet app, tapping on the Apple Card interface, and walking through the activation steps. Much of the information you need is pulled from your Apple ID, which means Apple Card setup takes just a couple of minutes to set up.

Apple Card in wallet app
Information required includes first and last name, date of birth, phone number, home address, country of citizenship, the last four digits of your Social Security number, and your annual income. Some users may also be asked to scan their driver's license or state ID. There is an issue with the Apple Card right now that prevents Apple from accepting vertical IDs.


Once you've signed up for Apple Card, it will be available for use immediately for digital purchases. Availability is subject to credit approval, so you need to qualify for Apple Card just like you do with any other kind of credit card. While digital payments are available immediately, Apple will also ship out a physical Apple Card that can be used like a traditional credit card.

Who Qualifies for the Apple Card?

To get an Apple Card, you need to be 18 years or older and be a U.S. citizen or a lawful U.S. resident with a U.S. residential address (no P.O. Box).

An iPhone running iOS 12.4 or later is required to use the Apple Card, and it will not be available if you do not have an ‌iPhone‌. Two-factor authentication must be turned on, and you must be signed in to iCloud on your ‌iPhone‌ with your ‌Apple ID‌.

Using Apple Card with ‌Apple Pay‌

Apple Card is designed to work with any other credit or debit card stored in the Wallet app for use with ‌Apple Pay‌. You can set it as the default card and use it for in store purchases on ‌iPhone‌ and online purchases on Apple Watch, ‌iPhone‌, iPad, and Mac.

Apple Card on iPhone screen

Using Apple Card for Non-Apple Pay Purchases

If you need to pay for purchases that can't be made with ‌Apple Pay‌, you can use the physical version of the Apple Card that Apple sends once you sign up. In addition to Goldman Sachs, Apple is partnering with Mastercard, so the physical Apple Card can be used wherever Mastercard is accepted.

Apple Card activation screen
When your physical card comes in the mail, setting it is simple. On the iPhone XS, XS Max, and XR, all you need to do is hold your ‌iPhone‌ near the envelope that it came in for an NFC scan and then tap the "Activate" button on your ‌iPhone‌ when it pops up.

On the ‌iPhone‌ X and earlier, you need to open up the Apple Card, open the Wallet app, tap the "Activate" button in the Wallet app and then hold your ‌iPhone‌ near the packaging that the Apple Card came in. Unlike traditional cards, you do not need to place a phone call for activation purposes.

The Titanium Apple Card

With Apple Card you can make digital ‌Apple Pay‌ payments, but Apple is also providing a physical card. Since this is a credit card designed by Apple, it is, of course, unique among credit cards.

Physical Titanium Apple Card
It's made entirely from titanium, which is laser etched with your name. The front of the card does not have a card number or an expiration date listed, and on the back, there's no CVV and no signature. If someone finds or steals your card, there's no real way for them to use it, at least for online purchases.


There's still a traditional magstripe on the back, along with a built-in chip. While the card number and CVV are not on the card itself, you can find them in the Wallet app if you need them.

The physical Apple Card does not support contactless payments itself -- you need to use your ‌iPhone‌ for ‌Apple Pay‌ payments. There is no cost for the card and there is no fee associated with replacing it if you lose it.

The titanium Apple Card weighs in at 14.7 grams, which is heavier than the Chase Sapphire Preferred and lighter than the AMEX Platinum, both of which are also considered heavier weight cards.

Apple Card on ‌iPhone‌, ‌iPad‌, ‌Apple Watch‌, and Mac

The Apple Card offers deep integration with the Wallet app on the ‌iPhone‌, but it can also be used on the ‌iPad‌, ‌Apple Watch‌, and the Mac for making purchases and viewing some credit card information.

Adding the Apple Card to ‌iPad‌ can be done via the Wallet & ‌Apple Pay‌ section in the Settings app and the Wallet & ‌Apple Pay‌ section of the My Watch tab in the ‌Apple Watch‌ app on ‌iPhone‌.

On Mac, you can add Apple Card by going to System Preferences, selecting Wallet & ‌Apple Pay‌, and clicking the "+" button to add the Apple Card. Adding an Apple Card to Wallet on Mac requires a Mac with Touch ID.

On Macs without ‌Touch ID‌, you can turn on the "Allow Payments" feature that will let you complete purchases on your Mac using authentication via an eligible ‌iPhone‌ or ‌Apple Watch‌.

Credit Limits

As with any other credit card, there is a credit limit for Apple Card that will vary from person to person. A better credit score means a higher credit limit, and credit limit also increases over time.

Making Payments

You'll be able to pay your Apple Card balance using a linked bank account or Apple Cash in the Wallet app. There is no option to make payments over the web.

Deferred Payments

For March and April 2020, Apple is allowing customers to defer their Apple Card payments with no interest in an opt-in program that consumers can take advantage of.

Monthly Statements

Monthly Apple Card statements are provided in the Wallet app. You can save a PDF of the statement from the Wallet app so that you can access it on other devices.

Multiple Users

There is no option for multiple users or sharing cards at this time. There's one card per person and one card per account, which means spouses and family members cannot share a single Apple Card account.

Fees

Apple says there are no annual fees, international fees, fees for making a late payment or fees for exceeding your credit limit.

There may be no late fees, but if you make a late or miss one payment, Apple says this will result in "additional accumulating toward your balance." That means making a late payment will not result in penalty rates, aka increased interest rates. You're still going to have to pay interest on the outstanding balance, and a late payment will impact credit score, but interest rates won't increase.

There are no foreign transaction fees, but the exchange rate for foreign transactions is determined by Mastercard.

PIN for International Purchases

The Wallet app does not provide a PIN, which is often necessary when making credit card purchases outside of the United States. There is no PIN support, which means the Apple Card may not be accepted by some international vendors.

Interest Rates

The Apple Card offers an APR between 10.99 percent and 23.99 percent based on your credit score. On the low end, that's lower than the national average APR of 17.67 percent, but it doesn't offer APRs as low as some other credit cards.

Interface showing interest rates for payments
Apple is aiming to make the Apple Card available to as many customers as possible with its wide APR range, offering it even to those with less than stellar credit scores. There are tools built into the Wallet app to encourage users to pay off their balances quicker to avoid interest fees.

Credit Check

A credit check is required when signing up for the Apple Card. Approvals are done by Goldman Sachs, and Goldman Sachs uses TransUnion for credit checks. If you have a credit freeze applied, you will need to unfreeze your TransUnion credit.

TransUnion has an option to temporarily release your credit report for a set number of days, which makes it easy to unfreeze and then refreeze your credit. Lifting your credit freeze temporarily is free.

Apple does a soft credit pull when you apply for Apple card so you can see Apple's offer with credit limit and APR. A hard pull happens after you hit the "accept" button.

Credit Ranges

Apple wanted to make the Apple Card accessible to as many people as possible, which means Apple Card partner Goldman Sachs is approving people with a wide range of credit scores.

Reports have suggested that some customers with credit scores in the 600s have been successfully approved. APRs and credit limits will vary based on credit score, but many people may be able to successfully get an Apple Card.

Rewards System

Apple offers a cash back rewards system for the Apple Card, providing daily cash up to 3 percent. Depending on your particular spending habits, there may be better options available (Apple Card Rewards vs Others).

With Apple Card, you get 1 percent cash back for all of your purchases, which is just okay compared to many other credit cards available. On purchases made with ‌Apple Pay‌, you get 2 percent cash back, a good motivator to use ‌Apple Pay‌ where available.

daily cash back example
For purchases made from the Apple Store (physical or online) you'll get three percent back. This also includes purchases made from the App Store, iTunes Store, and Apple services.

You'll also get three percent back when using the Apple Card with ‌Apple Pay‌ for Uber, Uber Eats, T-Mobile, Walgreens, Nike, and Duane Reade purchases. In the future, Apple also plans to bring three percent cash back rewards to other merchants and apps.

As a holiday bonus, Apple is offering 6 percent cash back on all Apple purchases made through December 31. Items can be purchased from Apple retail stores or the Apple online store using the Apple Card to get the extra cash back.

Daily Cash

One of the perks of Apple Card's rewards system is "Daily Cash," with Apple paying out your cash back bonuses on a daily basis rather than making you wait weeks for them to show up on a statement.

If you've signed up for Apple Cash (the feature that adds an ‌Apple Pay‌ Cash debit card to your Wallet for sending and receiving money from friends) you will get your Daily Cash payouts on your Apple Cash card.

List of daily cash rewards
Apple Cash is required for Daily Cash, but if you don't have Apple Cash set up, you'll still get your rewards, just on a monthly basis as a credit on your statement balance. There is no limit on the amount of Daily Cash that you can get, according to Apple.

How Daily Cash Can Be Used

Your Daily Cash balance, which is transferred to your Apple Cash card (essentially an Apple debit card) can be used for ‌Apple Pay‌ purchases, sent to friends or family using the Apple Cash feature in Messages, or transferred over to your bank account.

Apple Cash can be transferred to your bank account at no cost, a process that takes between one and three days. There's also an Instant Transfer feature that will cost one percent of the total money being sent. The Instant Transfer fee has a minimum of $0.25 and maxes out at $10. Transfers can be initiated in the Wallet app after linking a bank account to Apple Cash.

Daily Cash - Returns

If you return a purchase that you made with Apple Card, you will be refunded the purchase price. Daily Cash that you received when making the purchase is charged back to the Apple Card.

Spend Tracking and Budgeting

All transactions made with the Apple Card are listed clearly in the Wallet app with color-coded categories like Food and Drinks, Shopping and Entertainment, and more. Apple Card also provides weekly and monthly spending summaries, again using the same color coding so you can see what you're spending at a glance.

Example of spending categories
Along with categorized spend tracking, the Wallet app provides a Total Balance summary that provides a look at your previous monthly balance, new spending (including pending transactions, and any payments or credits that have been made.

Total balance screen for Apple Card`
Interest charged and Daily Cash earned are also offered up, and users can see PDF statements from past months.

Purchase Notifications

As is the case with many cards added to ‌Apple Pay‌, when you make a purchase with Apple Card, you'll get an instant notification right on your phone. This will let you know immediately if there's a charge that you don't recognize, and there are built-in tools for flagging a fraudulent purchase.

Apple Card unusual spending alert

Clear Transaction Labeling

Apple is using machine learning and Apple Maps to make sure that all of your Apple Card transactions are clearly labeled. If you've opened up a credit card statement and have seen a confusing arrangement of truncated letters and numbers instead of a full merchant name, that's the problem Apple is solving.

List of entertainment spending categories
All transactions are listed clearly with merchant name and exact location so you can better keep track of what was purchased and where it was purchased.

Payments

Apple Card shows you multiple payment options and it calculates the amount of interest that you'll be paying on different payment amounts in real time. Apple says Apple Card is designed to encourage customers to pay a bit more every month to cut down on interest, and it offers the flexibility to schedule payments in multiple ways -- weekly, biweekly, and monthly rather than just monthly. You can also make a one-time payment if desired.

Payment alert notice
Payments are made by linking a bank account to your Wallet app, but Apple Cash can also be used as an Apple Card payment method. If you've already linked a bank account for Apple Cash, Apple will ask you if you want to use the same bank account for Apple Card, but you can also select a different account or swap your account at any time.

Privacy

As with any credit or debit card added to Wallet, Apple creates a unique card number on ‌iPhone‌ for Apple Card that's stored in the Secure Element. All payments are confirmed with Face ID or ‌Touch ID‌ along with a one-time unique dynamic security code.

This system means Apple does not know which stores a customer shopped at, what was purchased, or how much was paid.

Goldman Sachs, Apple's partner, can see data for internal reporting purposes, but it cannot be used for external or internal marketing or advertising, and the same goes for any regulatory or operational third-party partner. Apple in March 2020 updated its privacy policy with the aim of sharing additional anonymized data to ultimately make Apple Card available to a greater number of users.

Benefits

Because Apple Card uses the Mastercard network for payment processing, it offers benefits available to Mastercard card holders, such as fraud protection, identity theft protection, and a free ShopRunner membership that offers free two-day shipping from some websites.

Other benefits include Mastercard's travel discounts and upgrades, Mastercard's exclusive "special events," Mastercard golf offerings, and home rental discounts via Onefinestay, all of which are available to all Mastercard users. Purchase protection and extended warranties offered by some credit cards as benefits are not available with the Apple Card.

Apple does offer a Disaster Relief Program for Apple Card holders affected by a natural disaster. This program lets users apply to skip a payment and pay no interest for two months.

Interest-Free ‌iPhone‌ Payments

Apple Card customers can purchase a new ‌iPhone‌ and then pay it off over 24 months with no interest. It's the same general setup as Apple's current device payment plan options, but integrated into the Apple Card for convenience with cash back and the option to manage payments in the Wallet app.

The 24-month purchase option also applies to the SIM-free iPhone, allowing the SIM-free ‌iPhone‌ to be paid for in installments, something that was not previously possible with Apple's payment plans.

Credit Reporting

For the first few months after launch Goldman Sachs was not reporting the Apple Card to credit bureaus, but that changed in December 2019. Goldman Sachs now works with TransUnion to report Apple Card information, so Apple Card holders will see Apple Card data on their reports.

Exporting Data

At launch, Apple Card did not support exporting data to financial apps, but Apple in early 2020 implemented a new option for downloading a CSV spreadsheet or OFX data featuring Apple Card transactions for the month.


Many financial and budgeting apps support imports, and at the current time, this is the only way to get Apple Card data into a financial app. There is no API for integrating Apple Card with third-party apps at this time.

Virtual Card Numbers for Online Non-Apple Pay Purchases

There are no credit card numbers or other information on the physical titanium Apple Card. This data is instead available in the app, leaving some questions about online purchases where you often need a number and a CVV.

Apple Card is able to generate virtual card numbers for these kinds of purchases. The Wallet app provides a virtual card number and a virtual confirmation code, with the number being semi-permanent and able to be regenerated whenever you want. This info can be used for non-Apple Pay online purchases, over-the-phone purchases, and other similar situations.

There is not, however, support for single-use numbers or single-merchant numbers for having separate card numbers for different merchants. Purchases are also protected by a one-time use dynamic security code rather than a persistent CVV.

Apple Card Support

Apple Card support is handled through the Messages app, with support representatives available 24/7. All you need to do is send a text, which is a handy way to interact with support staff.

If you run into an issue with a transaction, you can select the transaction and tap on the "Report an Issue" option. This lets you provide feedback to Apple if the wrong spend category, merchant name, or location is listed.

It also provides tools for a Charge Dispute, Unknown Transaction, and Other, which will put you in touch with the Apple Card support staff.

Apple Card Denials

Apple has a detailed support document outlining reasons why people might be declined for an Apple Card, and what can be done about it.

Reasons for denial include low credit score, frequent credit card applications, heavy debt and low income, tax liens, bankruptcy, property repossession, past due debt obligations, a recent checking account closure by a bank, past due medical debt, and more.

For those denied, Apple recommends requesting a free credit report and checking for common errors that can be disputed if inaccurate.

Apple Card Tutorial Videos

Apple has shared a range of videos on Apple Card setup and usage, including making a purchase in a store, making a purchase online, activating the card, making a payment, getting support, and more, with a full list below.

Availability

Apple Card is limited to the United States, but in the future, it could be expanding to additional countries much like ‌Apple Pay‌ has expanded, and Apple is already said to be in talks with European regulators about an expansion in Europe. Apple Card will be able to be used worldwide where Mastercard is accepted.

Customer Agreement

The Apple Card Customer Agreement provides additional insight into how the Apple Card works and the terms and conditions of its usage. Details are available on the Goldman Sachs website. [PDF]

Launch Date

The Apple Card launched to a limited number of users on August 6 and rolled out to all ‌iPhone‌ owners in the United States on August 20.

Apple Card Features

  • Up to 3% cash back
  • Daily cash back
  • No fees
  • Accepted worldwide (wherever Mastercard is available)
  • Engraved Titanium physical card with concealed numbers
  • Easy sign-up on ‌iPhone‌
  • Spending tracking
  • Clear transaction labeling
  • Privacy focused

Guide Feedback

See something we left out of our Apple Card guide or have a question not answered here? Let us know in the comments or Send us an email here.

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