Is the Apple Card Available in Canada?

So far, the Apple credit card is not available in Canada. Check out the closest alternatives and learn when Apple plans to release this up North.

Updated: May 2, 2023

Apple Card Canada

👉 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 Apple's official application page if you want to see if you can apply. Our favourite alternative right now is the Neo Card™ because it's mobile-first and offers up to 15% cashback on first-time purchases and an average 5% cashback. You can learn more below.

Apple Card vs. Alternatives

Apple Card Titanium

Apple Card

  • No monthly or annual fees
  • 1% unlimited cashback, 2% if you pay with Apple Pay
  • No FX fees or hidden fees
Neo Card

Neo Card™

  • No monthly or annual fees
  • Up to 15% cashback on first-time purchases
  • Sign up in 3 minutes
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KOHO Prepaid Mastercard

  • No monthly or annual fees
  • 1% cash back on groceries, bills & services
  • Up to 5% back at select stores

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 1%-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 when you pay with Apple Pay (otherwise it's 1%). You also get 3% at the Apple Store and other select stores. 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 to easily track your payments.
  • Titanium Card. Like all Apple products, the physical card is a high quality sleek design. There is no card number on the front or back for security.
  • Interest Free Apple Products. You can buy Apple Store products interest-free and pay with monthly instalments (while still getting 3% cash back)
Apple Credit Card

Other Features

  • New high-yield savings account of 4.15% APY
  • 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
  • Easy connectivity with your Apple Watch, iOS devices and bank account

Visit the website here to see all Apple Card features.

Apple Card Titanium

How to Apply For The Apple Card

It only takes a couple minutes to apply for the Apple Card on your iOS device. You can also see the official application page here. It's worth noting that if you're based in Canada, the card is not available yet. Therefore, you won't see an option to apply for it in the Wallet app.

  1. Open the Wallet App
  2. Tap the + in the top right to add a new card
  3. Tap "Apply For Apple Card"
  4. Fill out your personal information
  5. Review the details and tap "Accept Apple Card"

Apple Card Alternatives

The Apple Card offers 1-3% unlimited cashback, helpful spending insights, and a mobile-first experience. Here are the best credit cards in the Canadian market that let you earn rewards and have similar benefits.

Header
Apple Card Titanium

Apple Card

Neo Card

Neo Card™

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KOHO Card

Wealthsimple Cash Card Visa

Wealthsimple

Monthly Account Fee

Free

Free

Free

Free

Add Money

Free

Free

Free

Free

Overdraft Fees

None

None

None

None

Min. Cash Back

1%

1%

1%*

1%

Max. Cash Back

3%

15%

5%

1%

Domestic ATM

Free

$2.50

?

Free

International ATM

Free

$5.00

1.50%

Free

Foreign Currency Transaction Fee

Free

2.50%

1.50%

Free

Inactivity Fee

None

None

$1/mo after 90 days

None

Card Type

Credit

Credit

Prepaid

Prepaid

Website

*Only on groceries, bills, and services

1. Neo Card™

Neo Card
  • No monthly or annual fees and no overdraft fees
  • Up to 15% cashback on first-time purchases
  • Trusted by over 1 million Canadians
  • Sign up in 3 minutes

The Neo Card™ is a credit card that helps Canadians earn rewards on their everyday purchases. It has no monthly or annual fees and users can earn up to 15% cashback¹ on first-time purchases and an overall average of 5% cashback¹ from over 10,000 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.

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

2. KOHO Prepaid Mastercard

  • 1% cashback on groceries, bills, and services
  • Up to 5% at partnered merchants
  • Up to 1.50% high interest savings account
  • No annoying fees ($0 monthly fees, NSF fees, e-transfers, interest charges)

With the KOHO Prepaid Mastercard, you'll earn 1% cashback on groceries, bills, and services, with up to 5% at partnered merchants. It's a good card because it has no annoying fees like monthly fees, NSF fees, or minimum account balances. Plus, you get cool features like roundups, high interest savings, and cashback boosts.

If you have no credit or low credit, a KOHO card can be a good way to manage your spending and earn rewards. You can sign up in just 5 minutes with no credit check.

3. Wealthsimple Card

Wealthsimple Cash Card Visa
  • Unlimited 1% cashback 
  • Get paid in cash, crypto or stocks!
  • Earn 1.5% interest when you save
  • Fintech super-app trusted by 2.5 million Canadians

Just like the Apple Card, Wealthsimple Spend is a mobile-first app that rewards you on everyday purchases. The cashback is only 1%, but it's unlimited and you have the choice to have it invested in crypto or stocks. The Wealthsimple Card has no annual fee and it's a prepaid Visa so there are no credit checks needed.

This card is offered by Wealthsimple which is a popular all-in-one investing app for stocks, crypto, robo-advisors, and more. It's designed for beginners and they have low fees or zero fees for most of its services.

Hopefully It Comes To Canada!

Overall, it would be very exciting to see the Apple Card 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

Is The Apple Card A Real Credit Card?

Yes, the Apple Card is a real credit card. It requires approval and has a credit limit. Apple uses Mastercard as the payment network and Goldman Sachs is the issuing bank.

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.

Is The Apple Card Worth It?

If you're an avid Apple Pay user and looking for a fee-free card with cash-back options, the Apple Card is a great choice. It's designed to work seamlessly with all of your iOS devices and you'll get 1% to 3% cashback on all purchases.

Why Isn't Apple Card Available In Canada?

The Apple Card is not available in Canada because it is only available for U.S citizens or lawful residents with a valid, physical U.S address. There is no official release date but Apple has plans to bring the card to Canada in the future.

More Apple Card Resources

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