PCMag editors select and review products independently. If you buy through affiliate links, we may earn commissions, which help support our testing.

Apple Card Now Rolling Out to Select Consumers

In conjunction with the soft launch, Apple uploaded 10 YouTube videos that explain how consumers can apply for the credit card and use it. Sign up in the iPhone's Wallet app.

 & Michael Kan Principal Reporter

Our team tests, rates, and reviews more than 1,500 products each year to help you make better buying decisions and get more from technology.

Our Expert
LOOK INSIDE PC LABS HOW WE TEST
65 EXPERTS
43 YEARS
41,500+ REVIEWS

The Apple Card is starting to roll out to select consumers today.

The option to apply for the credit card is now available to a subset of users who signed up for updates on it at Apple's website, according to Mashable. Everyone else will have to wait, but the company plans to expand availability over the next few weeks.

In conjunction with the soft launch, Apple today uploaded 10 YouTube videos that explain how consumers can apply for the credit card and use it. Sign up for the service in the iPhone's Wallet app.

The service is largely designed to work with the Wallet app at stores that accept Apple Pay. But you'll also be a given a physical titanium-colored credit card you can use at stores that don't accept Apple Pay.

Users will get 2 percent cash back on Apple Pay purchases, and 3 percent cash back on purchases made at an Apple Store, Apple.com, and iTunes. All other purchases will award you 1 percent cash back. The Wallet app will keep a tally of your total cashback and how much you've spent in total with the card.

The Apple Card launches in partnership with Mastercard and Goldman Sachs, which last week published the terms for the credit card. Those terms note you can lose access to the card if you ever decide to "jailbreak" your iPhone and gain administrative access to modify iOS. Users are also prohibited from buying cryptocurrencies with Apple Card.

To maintain online access to the card, you'll need an Apple device that's logged into your iCloud account. Otherwise, you'll only be able to manage your Apple Card's account over email or the phone.

About Our Expert

Michael Kan

Michael Kan

Principal Reporter

My Experience

I've been a journalist for over 15 years. I got my start as a schools and cities reporter in Kansas City and joined PCMag in 2017, where I cover satellite internet services, cybersecurity, PC hardware, and more. I'm currently based in San Francisco, but previously spent over five years in China, covering the country's technology sector.

Since 2020, I've covered the launch and explosive growth of SpaceX's Starlink satellite internet service, writing 600+ stories on availability and feature launches, but also the regulatory battles over the expansion of satellite constellations, fights with rival providers like AST SpaceMobile and Amazon, and the effort to expand into satellite-based mobile service. I've combed through FCC filings for the latest news and driven to remote corners of California to test Starlink's cellular service.

I also cover cyber threats, from ransomware gangs to the emergence of AI-based malware. In 2024 and 2025, the FTC forced Avast to pay consumers $16.5 million for secretly harvesting and selling their personal information to third-party clients, as revealed in my joint investigation with Motherboard.

I also cover the PC graphics card market. Pandemic-era shortages led me to camp out in front of a Best Buy to get an RTX 3000. I'm now following how the AI-driven memory shortage is impacting the entire consumer electronics market. I'm always eager to learn more, so please jump in the comments with feedback and send me tips.

The Best Tech I've Had:

  • My first video game console: a Nintendo Famicom
  • I loved my Sega Saturn despite PlayStation's popularity.
  • The iPod Video I received as a gift in college
  • Xbox 360 FTW
  • The Galaxy Nexus was the first smartphone I was proud to own.
  • The PC desktop I built in 2013, which still works to this day.

Read full bio