What Is the Apple Credit Card? Features, Benefits, and How to Apply

The Apple Credit Card is not the same as an Apple Gift Card. This titanium Mastercard is issued in the U.S. by Apple in partnership with Goldman Sachs. However, as of January 1, 2024, Apple may end its partnership with Goldman Sachs, with a possible transition to American Express (Amex) or another issuer in the future.

Key Features and Benefits

High-Yield Savings Account

When you open an Apple Credit Card, you can also set up an Apple high-yield savings account. As of 2025, the annual interest rate is 3.65% APY. While slightly lower than in previous years, it still remains well above the national average for U.S. savings accounts, making it an attractive option for Apple Card users.

Titanium Design & Contactless Payments

• Durable titanium card with minimalist Apple design
• Works as a physical card where Apple Pay isn’t available
• Supports Apple Wallet for contactless payments via Apple Pay

Other Notable Features

• Simplify your finances with one card
• Accepted worldwide through Mastercard network
• Instant transaction and balance updates in Wallet
• Apple customer support via Wallet messages
• 3-digit security code (CVV) that changes regularly
• No printed card number or expiration date for higher security
• Compatible with iPhone and Apple Watch via Apple Pay
• Up to 3% cashback at Apple and select merchants
• 2% cashback on Apple Pay purchases at most merchants
• 1% cashback when using the physical titanium card

👉 For details on the Apple Savings Account setup, see:
How to Open an Apple Savings Account

How to Apply for the Apple Credit Card

To apply, you must meet the following conditions:

• U.S. Citizen or Green Card Holder – You must be a citizen or permanent resident.
• Visa Holders in the U.S. – Some valid visa holders may also apply.
• U.S. Address – Required for application and card delivery.
• Apple Pay-Compatible Device – Such as iPhone or iPad.
• Good Credit History – A strong credit score is essential for approval.

Using the Apple Credit Card in Japan

The Apple Credit Card is also usable in Japan, since it runs on Mastercard’s global network. However, here are some important notes:

• Card Unlock – Before inserting the titanium card into a payment terminal in Japan, make sure it’s unlocked in Apple Wallet.
• Apple Pay Contactless Payments – Widely supported in Japan and recommended for convenience.
• Foreign Exchange Fees – May apply for overseas transactions. Check terms carefully.
• Lost or Stolen Cards – Disable immediately in Apple Wallet and request a replacement.

For details on potential drawbacks, see:
Apple Credit Card Cons & Things to Know

Conclusion

The Apple Credit Card offers:

• Enhanced security with rotating CVV codes
• High-yield savings account (3.65% APY)
• Cashback rewards (up to 3%)
• Seamless Apple Pay integration

However, it requires meeting specific eligibility criteria, including U.S. residency and good credit history. For frequent Apple users and those who value security and savings, the Apple Credit Card remains a strong option worth considering.