How can I get an Apple credit card?

What you should know about Apple Card

• It takes just minutes to apply.
• There are no fees, including annual, late, over-the-limit, or other hidden fees.*
• You can see your offered initial credit limit and Annual Percentage Rate (APR) before you accept your offer, and your credit score isn't impacted until after you accept.
• Easily track and manage your spending with Apple Card in Wallet.
• Get a percentage of your Apple Card purchases back as Daily Cash.

*Variable APRs range from 12.49% to 23.49% based on creditworthiness. Rates as of December 1, 2019.

How to apply for Apple Card

Follow the steps below or watch the video to see how to apply for Apple Card >

1. See if you're eligible

To get Apple Card, you must meet these requirements:

• Be 18 years or older, depending on where you live.
• Be a U.S. citizen or a lawful U.S. resident with a valid, physical U.S. address that is not a P.O. Box. You can also use a military address.
• Own a compatible iPhone with the latest iOS version.1
• Use two-factor authentication with your Apple ID.
• Sign in to iCloud with your Apple ID.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze with TransUnion here.
• You might need to verify your identity with a Driver license or State-issued photo ID.

2. Start your application

• First, make sure you're signed in to iCloud with your Apple ID. Then, open the Wallet app on your iPhone and tap the add button . Select Apple Card and tap Continue.

You need a compatible iPhone with the latest iOS version.

Open the Wallet app on your iPhone and tap plus button.