Apple Card — Approval Odds & Credit Limit (2026)
The Apple Card is a cash back card from Goldman Sachs. Welcome bonus: 3% Apple, 2% Apple Pay, 1% everything.
Credit limit range — this card
$250 – $25k
The span of limits the Apple Card issues. Your personal limit depends on your profile — calculate your odds and limit →
Approval rate
64%
11 reported apps
Typical score
708
640–839 range
Approved
7
4 denied
Real reported applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
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
- Annual fee
- $0
- APR
- 15.99%–26.99%
- Welcome bonus
- 3% Apple, 2% Apple Pay, 1% everything
- 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 credit limit does the Apple Card give?
This card issues limits from $250 to $25k. Across 7 reported approvals the median starting limit was $6k, typically $4.3k–$10k.
What is the approval rate for the Apple Card?
Of 11 reported Apple Card applications in our dataset, 64% were approved.
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 r/churning, r/CreditCards and myFICO, not the issuer. Not financial advice.