What credit score you need for apple card?

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The Apple Card has gained significant popularity since its launch in 2019, offering users a unique and seamless credit card experience. However, many people wonder what credit score is needed to qualify for this exclusive card. In this article, we will dive deeper into the topic and explore the credit score requirements for the Apple Card.

Understanding the Apple Card

Before we discuss the credit score requirements, let’s briefly understand what the Apple Card is. The Apple Card is a credit card offered by Apple in partnership with Goldman Sachs. It is designed to integrate with Apple Pay and offers various features such as daily cashback rewards, a user-friendly app interface, and enhanced security measures.

Credit Score Requirements

To be eligible for the Apple Card, you generally need a good to excellent credit score. While Apple and Goldman Sachs do not disclose the specific credit score range required, a FICO score of 670 or higher is often considered a good starting point. However, it’s important to note that credit score alone is not the sole determining factor for approval. Other factors such as income, debt-to-income ratio, and credit history are also taken into consideration.

Additional Factors Considered

Apart from credit score, there are other factors that Apple and Goldman Sachs consider when reviewing applications for the Apple Card. These factors include your income, employment status, payment history, and existing debts. A stable income and a low debt-to-income ratio can significantly improve your chances of approval, even if your credit score is slightly lower than the ideal range.

Improving Your Credit Score

If your credit score is not currently within the desired range, there are steps you can take to improve it. Start by reviewing your credit report for any errors or discrepancies and dispute them if necessary. Paying your bills on time, reducing your credit utilization ratio, and avoiding opening multiple new credit accounts can also help improve your credit score over time.

Alternative Options

If your credit score does not meet the requirements for the Apple Card, there are alternative options to consider. Apple offers a feature called “Path to Apple Card” that allows individuals with lower credit scores to improve their creditworthiness over time and potentially become eligible for the Apple Card in the future. Additionally, there are other credit cards available in the market that offer similar benefits and rewards, even for individuals with lower credit scores.


While the specific credit score requirements for the Apple Card are not publicly disclosed, having a good to excellent credit score, typically around 670 or higher, is a good starting point. However, it’s important to remember that credit score is not the only factor considered, and other aspects such as income, payment history, and debt-to-income ratio also play a significant role. If your credit score does not meet the requirements, there are alternative options available, and you can work on improving your creditworthiness over time.


– apple.com
– goldmansachs.com
– experian.com
– creditkarma.com