Q&A: What credit score do you need to get an Apple Card?

Answer: The Apple Card, which is issued in partnership with Goldman Sachs, is a bit unique in its approach. While there isn’t a strict “minimum” credit score publicly disclosed by Apple or Goldman Sachs, many applicants have reported being approved with credit scores in the mid-600s and above. That said, having a score in that range doesn’t guarantee approval, and some folks with higher scores might not get approved. It’s a bit of a mixed bag.

What’s cool about the Apple Card is its transparency during the application process. If you apply and aren’t approved, they often provide insights into why, which can be super helpful. They look at a variety of factors, not just your credit score. This includes your income, recent credit inquiries, payment history, debt levels, and more.

If you’re on the fence about applying because of your credit score, here’s a tip: Apple Card offers a “soft” credit check initially, which won’t impact your credit score. It’s only if you accept their offer that they’ll do a “hard” credit check, which can have a minor, temporary impact on your score.

Before applying for any credit card, it’s always smart to review your credit report, ensure there aren’t any errors, and understand where you stand. And remember, while the perks and benefits of cards like the Apple Card can be tempting, always consider how it fits into your broader financial picture.