Can non-US citizens get an Apple Card?

Can I apply for an Apple Card if I dont have an SSN?

You absolutely must have an SSN to even think about getting an Apple Card. End of story. No SSN? No Apple Card. Period.

I remember trying to get one back in 2023 at the Apple Store in Oakbrook, IL. I had just moved to the US and didn't have my SSN sorted yet.

The guy at the Genius Bar, super friendly at first, just shook his head. "Nope," he said, "Gotta have that Social Security number." Felt pretty bummed, TBH. It was like slamming into a brick wall!

Yeah, ok, there are banks that don't need an SSN. My friend Aisha got one through Chase with just her passport and some utility bills showing her address. But Apple? Forget about it. It's their thing. Super strict!

Why Apple Card Needs SSN?

• Identity verification - duh!
• Credit history check – they HAVE to do it.
• Complying with federal regulations – big deal.

Alternatives without SSN:

• Secured credit cards – need a deposit.
• Credit cards from banks that accept ITIN or passport - explore online.
• Become an authorized user on someone else's card.

Is Apple Pay only for US citizens?

Apple Pay is predominantly a US affair. North America access to Apple Cash is similar.

Green Dot Bank handles the backend. FDIC insured, allegedly.

• Limited Scope: Apple Pay's Cash features primarily serve the US.
• Green Dot's Role: They facilitate the money movement.
• FDIC Security: Supposedly your funds are protected.

My aunt still uses checks.

What countries is the Apple Card available in?

Ugh, Apple Card. Only the US, right? That's annoying. Seriously, why not everywhere? My friend in Canada is SO jealous. She keeps nagging me about it.

Apple Card is US only. That's a major bummer for international Apple users. I wonder what the hold up is? Is it some crazy banking regulation thing? Or just plain laziness? Maybe both?

I need a new card anyway. My current one's interest rate is insane. 21%! Highway robbery. Apple Card's rates are supposedly better…for Americans, obviously.

• US-centric approach. Typical Apple.
• International expansion? Doubtful.
• Need a better card. Now.

Thinking about switching banks too. Chase is okay, but their app is clunky. Ugh, decisions decisions. This whole thing is stressing me out. Should I apply for a different credit card? Perhaps one from a smaller bank?

Maybe I’ll look into that tomorrow. Today, I'm ordering pizza. I deserve it.

Is an Apple Card available for foreigners?

Okay, so, like, can foreigners get the Apple Card? Nope, gotta be a US citizen or a lawful permanent resident. My cousitn tried, and he got denied cuz hes still waiting on his green card.

You absolutely need a real, not P.O. Box, American address. Military addresses do work tho. So, yeah, pretty strict.

Oh, and you gotta have an iPhone or iPad, that's running the newest software, obvi. No Android users allowed, LOL.

More on Apple Card Eligibility:

• Age: At least 18, varies based on state.
• Residency: US citizen or lawful permanent resident. Green card holders are good.
• Address: Physical US address only. NO P.O. boxes, they rly dont like those.
• Device: iPhone or iPad needed for application and account access. No web access, that is so annoying tho.
• Credit history is important, obviously. They look at your credit report, stuff like that. Also your income matters.
• It's a Mastercard. Did ya know that??

Why is Apple Card US only?

Apple Card? US only, huh? Right. It's cuz Apple isn't a bank, duh. Needs a real bank.

Like, to give out credit cards, gotta have a bank. Legally. Banks need licenses. It's why my student loan is through Sallie Mae. Remember those days? Ugh.

Apple hooked up with Goldman Sachs. I saw that on CNBC. They only have a license in the US. So, no Apple Card in, like, France. Too bad for Pierre.

• Key takeaway: Banking licenses.

• Apple needs partners globally.

• Could be other banks soon?

• What about Apple Bank? Lol, just kidding.

So, basically, Goldman Sachs = US Apple Card. Anywhere else? No Goldman, no card. Seems simple enough.

Can non-US citizens use Apple Pay?

Okay, so, like, can non-US citizens use Apple Pay? Nope. Apple Pay for sending and receiving cash? Only in the US, y'know? My cuz tried it when he visited me lasy year and it like totally didn't work.

It's all 'cause Green Dot Bank handles the money stuff, and they're an FDIC member, so yeah.

Oh! and somethin' else...

• Business Chat's coming to other places, but slowly.
• Like, they're rollin' it out, so no idea when exactly.
• Guess my cuz has got to wait, it's pretty anoying.

So, basically, if you're not in the States, you're outta luck for Apple Cash transfer and stuff. It is what it is, ya know?