How to Apply for Apple Card with an ITIN?

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How to Apply for Apple Card with an ITIN? 1
How to Apply for Apple Card with an ITIN?

Are you considering applying for an Apple Card but don’t have a Social Security number? You can still apply for one with an ITIN! An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service (IRS) to individuals who do not qualify for a Social Security Number.

Once you get your Apple Card, you can make secure payments using your Apple Card Mastercard or Apple Pay account. Read on to learn how to apply for an Apple Card using your ITIN. 

Requirements for Applying with an ITIN

To apply for an Apple Card with an ITIN, you need to meet the eligibility criteria. Here is what you need to get an active bank account with Apple: 

  • Be at least 18 years old
  • Be a US citizen or lawful resident with a resident address (PO boxes are not accepted)
  • Have an Apple ID and enable 2FA
  • Have a driver’s license or ID card

The driver’s license or ID card is not always required. However, if you are applying with an ITIN, there is a good chance you will be asked for one. 

Application Process for Apple Card with ITIN

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You can apply for an Apple Card using the individual application process on the Apple website by signing in and clicking on Apply Now, or in the Wallet app on your iPhone. If you are using the app, scroll down until you see the plus (+) button, then click on Apple Card and complete the application. You don’t need to go to the Goldman Sachs website, even though the card is managed by Goldman Sachs. 

In the field where it asks for your SSN, simply input your ITIN entry. Then, wait for the approval process to complete (this is usually instantaneous). Accept the approved rate and wait for your Apple Card’s arrival in the mail. 

Benefits of Using Apple Card

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The Apple Card’s benefits include: 

  • 3% cash back rewards on Apple purchases
  • 3% cash back at select merchants
  • 2% cash back with Apple Pay
  • 1% cash back for purchases with the physical card
  • Exclusive Apple offers, including fee-free installment plans
  • Apple Pay compatibility – pay with your phone using your Apple Card conveniently

You can use your Apple Card anywhere Mastercard is accepted. 

Comparison With Other Credit Card Options

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Even if you are not approved for the Apple Card, whether it’s due to a low credit score or other reasons, you have other credit card options without an SSN. ITIN acceptance varies by bank; some banks accept it, while others don’t. 

But how does the Apple Card measure up to other credit cards? The Apple Card is great for building credit, as you can pay your monthly plans without any interest. Not all credit cards allow you to make monthly installments on interest-free plans. 

The 3% cash back is pretty high, but it’s only at Apple and select merchants. You will get 2% cash back on all other purchases if you use Apple Pay and 1% cash back on all other purchases if you use a physical card. That’s still pretty good! 

Other good options are the Deserve and Petal credit cards. Petal, for example, makes it clear that it accepts ITINs instead of SSNs. Depending on which Petal option you get, you can earn between 1-10% cash back, depending on the merchant. 

Using Apple Pay Without an SSN

You can always use Apple Pay without an SSN via payment method linkage with a valid credit card. 

Let’s provide a quick SSN requirement clarification: For the Apple Card, you will need an SSN, but you may be able to qualify with an ITIN as an alternative. For Apple Pay, there is no requirement for an SSN. 

Banks Accepting ITIN for Credit Card Applications

Banks accepting ITIN include Chase, Citi, Bank of America, Wells Fargo, and Capital One. Discover, on the other hand, doesn’t accept an ITIN and requires an SSN. Before you submit a credit card application to any bank, it’s a good idea to verify if they will accept your ITIN in lieu of an SSN. 

Building Credit With an ITIN

So, how is it possible to build credit with an ITIN only? One of the best options is getting a secured credit card from a bank that accepts ITINs. Secured credit cards are great options if you wouldn’t pass a normal credit history evaluation, either due to a lack of payment history or any other reason. With proper credit score maintenance (paying your monthly due on time), you can increase your credit score until you can apply for an unsecured credit card. 


Let’s summarize the accessibility of the Apple Card with an ITIN. You can apply for an Apple Card using an ITIN as part of the application process. For a good credit establishment when you have no prior credit history, though, it’s best to go with Petal or use a secured card, as you will be more likely to be approved. 

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Benjamin Levin

Ben is a gamer addict and hardware enthusiast who loves taking apart and building PCs. He has over half a decade of writing experience and is HubSpot certified in content marketing and SEO. He is currently pursuing a bachelor's in computer science with various certifications in the information technology field, particularly relating to hardware. He's excited to share his passion for PC hardware with you and help you create your gaming setup, whether it's your first rig or 100th. Ben has traversed the globe and speaks several languages. His passions include traveling, martial arts, going to the gym, buying random PC stuff he doesn't need, and rewatching Street Fighter and Dragon's Dogma.

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