Apple Card — Credit Limit, Score & Approval Odds (2026)
The Apple Card is a cash back card from Goldman Sachs.
Based on 11 real reported applications, 64% were approved — median approved FICO 708, median starting limit $6k.
Apple Card credit limit
Typical starting limit — 7 reported approvals
$6k
Middle half of reported approvals: $4.3k–$10k. Lowest reported $3k, highest $14k. Goldman Sachs publishes a $250 – $25k range for the card. Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Apple Card
The issuer generally looks for a credit score of 600+. Approved applicants in our data had a median FICO around 708 (range 640–839).
Apple Card approval odds
Based on 11 real applications reported for the Apple Card, 64% were approved.
Approval rate
64%
11 reported apps
Approved
7
4 denied
Typical approved profile
708 FICO · 11% utilization · 2 recent inquiries — medians across 7 reported approvals. Lowest approved score on record: 640.
How the 4 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 564-144 pts vs approved
- Median utilization
- 68%+57 pts vs approved
Score is only part of it — utilization, recent inquiries and account age move the odds too.
Real reported Apple Card applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Apple Card welcome bonus
Current offer: 3% Apple, 2% Apple Pay, 1% everything.
Goldman Sachs publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Apple Card APR
The ongoing APR is 15.99%–26.99% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Apple Card annual fee
The Apple Card annual fee is $0 — no yearly cost to keep the account open.
Apple Card requirements
- Suggested credit score
- 600+
- Min credit history
- 1 months
- Recommended utilization
- under 60%
- Recent hard inquiries
- up to ~6
- Credit limit range
- $250 – $25k
- Reports to
- TransUnion, Equifax
Apple Card approval — FAQ
What credit score do you need for the Apple Card?
Approved applicants in our data had a median FICO around 708 (range 640–839). The issuer generally looks for 600+.
What is the credit limit for the Apple Card?
The Apple Card issues limits from $250 to $25k. Across 7 reported approvals the median starting limit was $6k, typically $4.3k–$10k.
How to get approved for the Apple Card?
Aim for a credit score around 600+, keep utilization under 60%, keep recent hard inquiries to about 6 or fewer, have at least 1 months of credit history. If you're denied, you can request reconsideration at 1-877-255-5923.
What are the requirements for the Apple Card?
Suggested score 600+, at least 1 months of credit history, utilization under 60%, and up to about 6 recent hard inquiries. Reports to TransUnion, Equifax.
What are the approval odds for the Apple Card?
Based on 11 real reported Apple Card applications, 64% were approved. Approved applicants had a median FICO of 708 and 11% utilization. Denied applicants had a median FICO of 564 and 68% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Apple Card?
Of 11 reported Apple Card applications in our dataset, 64% were approved — the lowest approved score we have on record is 640.
What is the welcome bonus on the Apple Card?
Current offer: 3% Apple, 2% Apple Pay, 1% everything. Goldman Sachs publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Apple Card?
The ongoing APR is 15.99%–26.99%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Apple Card?
The Apple Card annual fee is $0.
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Apple Card?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.