Apple Card – Learn How to Order Today

The Apple Card is a modern credit card designed for iPhone users who want simple, secure, and transparent financial control.

It offers instant Daily Cash rewards, no hidden fees, and seamless integration with your Apple Wallet.

If you’re ready to manage your money smarter, this guide shows you how to order your Apple Card today.

Understanding the Apple Card

The Apple Card was designed to change how you handle credit and manage spending.

It combines digital convenience with transparent financial control through your iPhone.

The card is issued by Goldman Sachs and functions within the Apple Wallet app, allowing full access from your iPhone.
You can view transactions in real time, categorized by color to show where your money goes.
Daily Cash rewards are automatically credited to your Apple Cash balance for every eligible purchase.
The card is available in two forms: a virtual version for Apple Pay and a titanium physical card for in-store purchases.
There are no hidden fees, and users benefit from clear statements, simple repayment options, and built-in budgeting tools.
Designed for privacy and security, each transaction uses a unique code authenticated by Face ID or Touch ID.

The Apple Card simplifies payments by blending technology and finance into one seamless system.

It’s managed entirely on your iPhone, allowing you to spend, track, and pay securely without extra apps or paperwork.

All transactions appear instantly in the Wallet app, showing the merchant name, category, and location.
You earn Daily Cash automatically after each eligible purchase, credited to your Apple Cash balance.
Payments are flexible — you can pay weekly, biweekly, or monthly, depending on your preference.
The card has no annual, foreign transaction, or late fees, offering transparency and simplicity.
You can request the titanium physical card for in-store payments where Apple Pay isn’t accepted.
Spending summaries are color-coded to help you easily identify and manage different expense types.
Customer support is available directly through the Messages app, making help accessible anytime.

The Apple Card stands out for its simplicity, transparency, and user-focused benefits.

It’s built to give you more control over your money while rewarding your everyday spending.

Daily Cash Rewards: Earn 3% on Apple purchases and selected partners, 2% with Apple Pay, and 1% using the titanium card.
No Fees: There are no annual, late, or foreign transaction fees, making it easier to manage your balance.
Security and Privacy: Each purchase uses a unique transaction code, which is verified via Face ID or Touch ID.
Instant Access: Approved users receive their digital card in the Wallet app immediately, ready for use.
Expense Tracking: The Wallet app offers color-coded summaries and detailed insights into spending habits.
Physical Card Option: The sleek titanium card has no printed numbers for added privacy.
Apple Pay Integration: Use it seamlessly across stores, apps, and websites worldwide that accept Apple Pay.

Before starting your application, make sure you meet the basic eligibility criteria.

Having everything ready helps speed up the process and improves your chances of approval.

You must be 18 years or older and a U.S. citizen or lawful resident.
A compatible iPhone with the latest iOS version is required for setup and management.
You need an Apple ID with two-factor authentication turned on.
Your credit score should generally be fair or better (around 640 or higher).
Provide a valid Social Security number and income information during application.
Ensure your Apple ID is signed in to the Wallet app before applying.
Keep your address and contact details consistent with your credit profile to avoid delays.

Applying for this digital-first credit card is quick and can be done entirely from your iPhone.

The process only takes a few minutes, and once approved, your virtual card becomes available instantly.

Here are the main rates, limits, and terms to review before applying.

They determine your costs and how the account operates, helping you make informed choices.

Variable APR ranges from approximately 17.99% to 28.24%, depending on creditworthiness.
The interest rate is applied daily: your APR is divided by the number of days in the year to compute daily interest.
There is no annual fee, no foreign transaction fee, and no late fee, though interest still accrues if a payment is missed.
Credit limits are based on your income, credit score, and existing debt, and they vary significantly from person to person.
A special payment plan (“installments”) allows you to finance eligible Apple-brand products at 0% APR, provided you select the option at checkout.
If you share the account via the family program, the combined credit limit and shared responsibility affect how limits and terms apply.

The Family Program lets you share one account with trusted members of your Family Sharing group.

It’s built for flexibility, helping families manage spending and build credit together.

Co-Owners: Two adults (18+) can share the account, combine credit limits, and build credit together.
Participants: Up to four users (13+) can join and use the card under the same account.
Shared Responsibility: Co-Owners are equally responsible for all payments and account activity.
Spending Controls: Owners can set limits, track spending, and manage permissions for each user.
Daily Cash Rewards: Users earn cashback on their own purchases.
Single Statement: All users share one bill, making payments simple.
Eligibility: Everyone must be in the same Family Sharing group and use compatible U.S. devices.
Credit Reporting: Co-Owners are reported individually, while 18+ Participants can opt in to build credit.

Here are smart ways you can boost the rewards you earn with your card. These steps help make sure you’re getting the most value from every purchase.

Use Apple Pay whenever available to earn 2% instead of 1% on everyday purchases.
Prioritize shopping directly from Apple or at select partner merchants to earn 3% back.
Funnel subscription services and app purchases through Apple to qualify for higher reward rates.
Keep an eye on limited-time offers and special promotions that temporarily boost your rewards.
Deposit your earned cash rewards into the integrated savings account so they earn interest while you wait.
Always pay your balance in full each month to avoid interest charges that can offset your rewards.