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Apple Card is Now Available to Everyone in the US. What You Need to Know

Date Updated: June 23, 2021

Apple just launched the Apple Card, a digital-first credit card for iPhone users. Anyone in the US can apply for an Apple Card with just a few taps on your iPhone’s screen. Apple’s new credit card comes with incentives for using the Apple Pay version of the card to make payments. There’s also a sweet titanium card you can order to carry in your wallet.

Apple’s approach to mobile payments can be confusing, considering the company now offers Apple Pay, Apple Cash and Apple Card, which are different services that work in similar, yet different ways.

With the Apple Card, Apple took a new approach to how users interact with and manage a credit card. From a simple sign-up process to viewing your spending habits, earning Daily Cash and paying your bill — everything Apple Card-related is done on your iPhone

How to sign up

Before you can apply, make sure you’re using an iPhone 6 or newer that’s running iOS 12.4. Open Settings > General > Software Update on your phone to be sure. 

Apply directly following the onscreen instructions on Apple’s Wallet app.

Using your Apple Card

The process for using your Apple Card through Apple Pay is the same as it’s always been: Place your phone near a payment terminal and use Touch ID or Face ID to approve the transaction. 

The Wallet app is your Apple Card account portal

The Wallet app on your iPhone is where you go to view and manage your Apple Card account. Your card is tied to your Apple ID, so you don’t need to worry about creating and remembering another password.