First things first: Apple and its credit card issuing partner Goldman Sachs publish very little information on card approval odds or credit scores needed to qualify for the Apple Card credit card. Most of this article is based on information from past successful (and unsuccessful) applicants. It is an educated guess — but still a guess!
That said, the Apple Card is relatively easy to be approved for compared to other credit cards on the market. But that doesn’t mean everyone will be approved.
Apple Card Approval Odds / Credit Score Needed
Your chances of approval for the Apple Card will obviously be higher if your credit score is higher. Based on approved scores we’ve seen:
- A credit score of 700 or over gives you a very high chance of approval, probably 75%-80% of applicants with a score above 700 will be approved. If you have at least a year of credit history, your chances should be even better.
- If you’re between a 650 and 700 credit score, your odds of approval are still better than 50-50 — we’d say you have about a 60-65% chance of approval. Again, your chances will be better if you have at least a year of clean credit history. (No late payments beyond 30 days in particular.)
- If your score is 600 to 650, your approval odds definitely go down, but it is not hopeless. Based on information on this Apple Card page, 600 seems likely to be the lowest credit score that might be approved for the Apple Card. However, your odds of approval at a 600 credit score are probably still 25% at best, and then your chances go up a little bit with every point above that. (If declined, you *might* get invited into the Path To Apple Card program, which could lead to eventual approval.)