Apple Card Canada

Last Updated: Nov 26, 2022

Is the Apple Card Available in Canada?

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👉 Unfortunately, the Apple Card is NOT available for Canadians. That's because the website says "You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box." 

Here is the application page if you want to check it out.

When Is The Apple Card Coming To Canada?

While there is no official release date, there are signs that the Apple Card will come to Canada. Tim Cook confirmed interest in rolling out the Apple Card internationally but he noted that banks and regulations vary worldwide. And in 2021, Apple received two trademark approvals from the Government of Canada for Apple Cash and Apple Card.

The Apple Card would make sense in Canada. There are 76.2 million credit cards in circulation and the iPhone is the most used phone by Canadians. iOS is the leading mobile operating software with 59% market share as of September 2022. Despite demand in Canada, the UK, Australia, and more, the Apple Card has not left the USA.

What Is The Apple Credit Card?

The Apple Card offers 2%-3% cash back, no fees, and it can link with Apple Pay or be used as a traditional credit card. In true Apple fashion, it's designed to work with all of your iOS devices. Your card info can be accessed with the iPhone, iPad, Mac, and Apple Watch.

The card itself is made of titanium and has no numbers on the front or back. The issuing bank is Goldman Sachs. As of 2022, it has 6.7 million American cardholders.

Apple Card Titanium

Apple Card's Best Features

  • 2 Minute Application. Open the Wallet app, tap the + button in the top right, and tap "Apply for the Apple Card." No credit check required.
  • Daily Cash Back. The best feature is 2% unlimited cash back and 3% at select stores like Apple and more. The key part here is you earn REAL cash back (not reward points) and it's instantly deposited into your Apple Wallet. No waiting 30 days.
  • No Fees or Hidden Fees. There is no annual fee, no foreign transaction fees, and no late fees. Apple even offers interest rate calculators and more.
  • Titanium Card. Like all Apple products, you get a quality design. It's a sleek metal card with no numbers on the front or back for security.
  • Interest Free Apple Products. You can buy Apple products interest-free and pay with monthly instalments (while still getting 3% cash back)
Apple Credit Card

Other Features

  • Spending insights and payment reminders
  • Interest rate calculator to help you budget and minimize fees
  • View payments in real-time (not 2-3 days of waiting)
  • Apple Card family feature
  • End-of-the-month payment due dates
  • 24/7 Call or Text support

Visit the website here to see all Apple Card features.

Apple Card Titanium

Apple Card Alternatives

Even though the Apple Card isn't available in Canada, there are great alternatives that offer similar benefits, including cashback, spending insights, and more. Here are some of the best credit cards in the Canadian market right now.

1. Neo Card™

  • No monthly or annual fees and no overdraft fees
  • Trusted by over 1 million Canadians
  • Sign up in 3 minutes
Neo Financial Banner

The Neo Cardis a credit card that helps Canadians earn rewards on their everyday purchases. It has no monthly or annual fees and users can earn welcome bonuses of up to 15% cashback¹ and an overall average of 5% cashback¹ from over 8,000 participating merchants. Like the Apple Card, you get access to instant, unlimited cashback, and real-time spending insights.

It’s offered by Neo Financial, which is a fintech company trusted by over 1 million Canadians. Apart from the credit card, Neo offers a variety of financial services, including a high-interest savings account, private wealth management, and more.

Card issued by ATB Financial pursuant to license by Mastercard International Inc.

¹Average based on current offers at select partners. Cashback may be limited and varies per bundle, offer, and partner.

Hopefully It Comes To Canada!

Overall, it would be very exciting to see the Apple Card launch in Canada. Assuming it keeps the same features, no-fees, and 2-3% daily cash back, it would be one of the best credit cards on the market with no annual fee. We'll definitely keep a close eye on Apple Canada announcements!

Apple Card FAQ

What Countries Is The Apple Card Available In?

The Apple Card is available exclusively in the United States. It launched in August 2019 and has not expanded internationally.

More Apple Card Resources

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