Designed to support your financial health.

The world of credit — cards, scores, reports, applications, interest — is a complex one. That’s why when we created Apple Card, we took every opportunity to simplify and educate. So it’s clear how credit card processes work, how Apple Card uses your information, and how you can stay on top of it all.

A smarter card.
For smarter decisions.

Apple Card eliminates fees, provides innovative tools for managing your spending and reducing your interest, and as an Apple product, is designed to set a higher bar for privacy and security.1 All in the name of helping you live a more financially healthy life.

Transactions appear in real time, so you always have your most up-to-date account activity at your fingertips. Your purchases, balance, payments, and interest are clearly and simply displayed for you in the Wallet app. And your Daily Cash is automatically added to your Apple Cash card every day, ready to use as soon as you want.2

When you make a payment, you clearly see how much interest you could owe and how it would change based on the amount you pay. We also built in payment suggestions to help you decide what amount is right for you. And if you ever need to contact us, just call or text — we’re available 24/7.

A closer look at our application process.

Goldman Sachs is the issuing bank for Apple Card. They process applications, assign credit limits, and set interest rates. And because they share our focus on financial health, they’re an ideal partner for Apple Card.

Understanding your FICO score.

300
660
850

When you apply for a credit card, your FICO score is typically a key factor used to show lenders how reliably you manage your credit. It combines data about your payment history, current debts, the length of your credit history, any new credit accounts, and the various types of credit you’ve used. There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.

A wider window for approval.

FICO scores may be the industry’s standard for credit decisions, but they don’t always tell the whole story of your financial fitness. To get a better picture of your creditworthiness, Goldman Sachs draws from a wide variety of data, including:

TransUnion bureau data, which gives a record of your credit performance on past and current debt obligations.

Where applicable, your available payment history with utilities such as telecom, gas, and electricity.

The annual income you report on your Apple Card application.

The disposable income left after your monthly debt obligations.

Your history of paying down debts based on your past credit activities.

Good money habits lead to good credit.

You can do several things to boost your chances of approval:

When possible, pay at least (or more than) the minimum amounts due on your debt payments.

Ensure that you have disposable income left over after your monthly debt obligations.

Avoid submitting applications to multiple credit issuers within a short time span.

Check your credit report — it’s free to do once a year — as it is the source material for your FICO Score 9. If something looks inaccurate, contact the creditor associated with your account and/or dispute the item with your credit bureaus.

The length of your credit history is an important aspect of your credit score and getting new credit. You can build credit by opening an account in your name, being an authorized user on someone else’s account, and periodically using the accounts you already own and paying them on time.

A path to approval.

If your Apple Card application is declined, the process may not have to end there. As part of Apple’s commitment to helping you achieve good financial health, we’ve worked with our partner Goldman Sachs to design a program that delivers personalized steps to improve your access to credit. Every month, you’ll receive emails to help you track your progress. Once you meet the goals set for you in the program, you’ll be invited to reapply for Apple Card.3

Setting and adjusting your credit limit.

After Goldman Sachs approves your Apple Card application, they assign your initial credit limit using many of the same factors that go into the approval process, such as your credit score and existing credit. Goldman Sachs also looks at your income and the minimum payments tied to your existing debt. If you’re interested in increasing your credit limit, you can make a request after you’ve had your Apple Card for as little as four months. Simply call or text, and we’ll connect you with an Apple Card Specialist at Goldman Sachs right away.

Your Credit Limit

Credit Score

Available Credit

Income

Payments History

Interest rates made easy.

Simply put, interest rates are the cost you pay for taking out a line of credit from an issuer. Your annual percentage rate, or APR, is assigned to your account when you’re approved.

To find your daily interest rate, your APR is divided by the number of days in the year. This daily interest rate is applied to your balance at the end of each day. These amounts are added up for the month, rounded to the nearest cent, and that’s your interest charge.

Ideally, you pay off your entire monthly balance on time each month and don’t have to pay any interest. But we know that’s not always possible. So we designed Apple Card to help you pay less interest over time. When you enter the amount you want to pay, the payment tools in the Wallet app estimate how much interest you’ll be charged, so you can make an informed decision.

We’ll never charge you a late fee if you miss a payment deadline, but you’re still responsible for the interest applied to your balance on the date that the payment was due.4

Get more information.

Visit our Support pages for an in‑depth look at everything Apple Card.

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