How to Create an Apple Pay Account?

Using USA Apple Pay can be simpler than using a USA physical card, and safer too. USA Apple Pay is designed with your USA privacy and USA security in mind. Your actual card USA numbers are never stored on your device or shared with merchants, and each transaction uses a unique security code. With your USA cards stored in Apple Wallet, you can use USA Apple Pay to make secure payments in stores, for transit, in apps, and online wherever USA Apple Pay is accepted.Apple Pay and its features aren’t available in all countries or regions. See the USA Apple Support USA article

Apple CEO Tim Cook has called 2015 “the year of Apple Pay,” referring to the company’s highly successful mobile payments system, which was developed across several years.

Step 1: Set up Apple Pay on iPhone

Set up Apple Pay on iPhone

Apple Pay works with iPhone 6, iPhone 6 Plus and an Apple Watch that’s paired with an iPhone 5 or later series device.Launch the Passbook app (soon to be called Wallet). Tap Set up Apple Pay There are a couple of ways to set up Apple Pay for your card.Add the credit or debit card you already use for iTunes to Passbook by entering the card security code Or: Use your iSight camera to scan your card in order to enter your card information.

Apple Pay works with iPhone 6, iPhone 6 Plus and an Apple Watch that’s paired with an iPhone 5 or later series device.

Add a debit or credit card for USA Apple Pay

You can add an USA eligible card from a participating card issuer. Many major USA credit and debit cards from banks and credit unions are supported. You can check with your card issuer or try adding your card to see if it’s accepted.

  1. Go to the USA Wallet app on your iPhone.

  2. Tap You may be asked to sign in to your Apple Account.

  3. Add any of the following types of cards:

    A new card: Tap Debit or Credit Card, tap Continue, then hold iPhone near the chip on the card. If the card doesn’t have a chip, tap Enter Card Details Manually, then enter the card number or tap Scan Card with Camera.Note: If you can’t add your card, it may not be supported by Apple Pay, or your issuer may need to approve it first. Contact your bank or card issuer, or see the Apple Support article If you can’t add a card to Apple Wallet to use with Apple Pay.Apple Card: See Use Apple Card on iPhone.Your previous cards: Tap Previous Cards, then choose any cards you previously used. These cards may include the card associated with your Apple Account, cards you have in Apple Wallet on your other devices, and cards you saved for AutoFill. Tap Continue, then follow the onscreen instructions.A card from a supported app: Below “From Apps on Your iPhone", tap the app of your bank or card issuer.

  4. Verify your information with your bank or card issuer. This might include receiving a text message, answering security questions, or confirming through your bank’s app.

Tip: If you have a paired Apple Watch, you have the option to also add the card to your watch.

About Apple Card

Apple Card is built for privacy and security, and a healthier financial life. And because Apple Card was designed for iPhone, your information lives in the Wallet app, making your Apple Card easy to manage. See if you're eligible.

If you apply online and don't add Apple Card to an eligible iPhone or iPad that you own, you can only use your card to make eligible purchases online.1

Apply for Apple Card on your iPhone

  1. Open the Wallet app and tap the Add button

  2. Select Apple Card, then tap Continue.

  3. Complete your application.

  4. Review and agree to the Apple Card Terms & Conditions.

  5. Accept your offered credit limit and APR.2

After you accept your offer, Apple Card is added to the Wallet app and you can request a titanium Apple Card.To apply on your iPad, open the Settings app, scroll down and tap Wallet & Apple Pay, tap Add Card, then select Apple Card.To begin the Apple Card application, your device region needs to be set to the United States.

About your credit score

You can apply for Apple Card without impacting your credit score. If your application is approved and you accept your Apple Card offer, a hard inquiry is made, which may impact your credit score.

About sharing an Apple Card

If you want to share an Apple Card with trusted family members or friends, set up Apple Card Family and invite friends or family to share your account.If you don’t have an Apple Card, you can apply and if you are approved and accept your offer, you can set up Apple Card Family and invite friends or family.You can also join a shared Apple Card account by getting an invitation from an account owner to co-own4 Apple Card. Once you receive the invitation, follow the onscreen instructions. You will be prompted to apply for USA Apple Card.

If your application is approved

You have up to 30 days to accept your offer. If you accept your offer and add Apple Card to your eligible iPhone or iPad, you can:

If your application is declined

Make sure that you're eligible to apply for Apple Card. You can also see which conditions might cause your application to be declined, and learn what you can do if your application is approved with insufficient credit to purchase a particular Apple device.If you need help applying for Apple Card, contact an Apple Card Specialist at Goldman Sachs.

See if you're eligible

  • To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.

  • You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.

  • You need an iPhone or iPad with the latest iOS or iPadOS.

  • You need to be signed in to your Apple Account and use two-factor authentication.

  • If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.

  • You might need to verify your identity with a Driver's License or State-issued photo ID.5

  1. If you apply online, use a supported browser. To access and use all Apple Card features, you need to add Apple Card to an eligible iPhone or iPad that you own with the latest version of iOS or iPadOS. Then, you can manage your Apple Card on your device and make purchases anywhere Mastercard is accepted. If you don't add Apple Card to an iPhone or iPad that you own, you can only use your Apple Line of Credit for eligible purchases online and in-store at Apple.

  2. Variable APRs for Apple Card range from 17.74% to 27.99% based on creditworthiness. Rates as of November 1, 2025. Existing customers can view their variable APR in the Wallet app or card.apple.com.

  3. Apple Card Family Participants and Co-Owners do not need to have a familial relationship, but must be a part of the same Apple Family Sharing group.

  4. Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of a new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.

  5. If your photo ID won't scan properly, contact an Apple Card Specialist at Goldman Sachs.

 

Posted on 2025/12/11 12:19 PM