Does the Apple Credit Card do a hard inquiry?

You cannot qualify for an Apple Credit Card pre-approval, because the issuer doesn’t offer this option.

You can, however, check if you pre-qualify online by applying for the card, without hurting your credit score.

Bear in mind that after they confirm your approval, only by accepting the Apple Credit Card will they do a hard pull on your credit report. This may hurt your credit score temporarily.… read full answer

If your application is declined, you might receive an invitation to join the Path to Apple Card program, which could help improve your financial situation. Completing this program will earn you an invitation to reapply for the Apple Credit Card.

The Apple Card’s credit score requirement is 700+. This means that you need at least good to get this card. While it’s possible to be approved with a lower score due to a high income or other positive factors, it’s best to not take the risk.

It’s good to note that the Apple Card credit score requirement is comparable to that of similar cards on the market. Other … read full answer$0 annual fee cash back cards, such as the Capital One Quicksilver Cash Rewards Credit Card and Chase Freedom Unlimited®, also require good credit at a minimum.

Other Factors that Determine Your Apple Card Approval Odds

But an applicant’s credit score isn’t the only factor that plays a part in approval for the Apple Card. Many other factors are taken into consideration like your income, existing debts, recent credit inquiries and more. Checking your credit score before applying is always a good idea, as is looking over your credit report to make sure there are no errors or blatant negatives that you need to fix.

The only way to apply for the Apple Card is through the Wallet app on an iOS device, such as an iPhone or iPad. Other than making you sign in to iCloud, the application itself is pretty similar to any other credit card application. Applying should only take a few minutes.… read full answer

How to Apply for the Apple Card:

1. Update your Apple device to the latest iOS version.
2. Make sure there is no freeze on your credit report.
3. Sign in to iCloud and open the Wallet app on your device.
4. Tap the “Add” button (a plus sign), select the Apple Card, and click “continue.”
5. Fill in the application with your name, date of birth, phone number, address, last four SSN digits, citizenship status, and income.
6. Scan your driver’s license or government-issued photo ID if prompted. Only some applicants will be asked to do so.
7. Accept the terms and conditions and submit your application.
8. Wait for a decision from Goldman Sachs, the Apple Card’s issuer.

If you are approved for the Apple Card, which should happen right away, you will see an initial credit limit and APR. You can choose whether to accept or reject the offer. If you accept, there will be a hard pull of your credit. Otherwise, there will not be a hard pull, but you will not get the card.

Assuming you’re approved for the Apple Card after applying, you’ll see the card in the Wallet App and Apple Pay right away. You can use it to make purchases even before the physical card comes in the mail.