Is Apple Card Available in UK?

So far, the Apple credit card is not available in the UK. Check out the closest alternatives and learn when Apple plans to expand outside of the US.

Updated: Oct 19, 2023

Apple Card UK

Unfortunately, the Apple Card is NOT available in the UK. Apple's website states, "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 check if you can apply. Our favourite alternative right now is Revolut because it's mobile-first, connects to Apple Pay, and offers up to 30% cashback on eligible purchases.

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

Revolut Metal

  • £12.99/month
  • Up to 1% cashback and up to 30% at select restaurants
  • 3.54% annual interest paid daily
Starling Bank Virtual Card

Wise Visa

  • No monthly or annual fees
  • Spend and hold 50+ currencies at the real exchange rate
  • Earn 4.22% on GBP

When Is The Apple Card Coming To The UK?

There is currently no official release date for the Apple Card in the UK. While the card was launched in 2019, it is still only available to customers in the US.

Tim Cook, Apple's CEO, has expressed interest in expanding the Apple Card internationally but mentioned that it depends on banks and regulations in each country. In 2022, Apple acquired Credit Kudos, a British credit scoring agency, further indicating their potential plans for expansion.

The UK market would be a suitable fit for the Apple Card, considering that over 51% of smartphones in the country are Apple devices, and there are over 59 million credit cards in circulation.

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 the UK, 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 great cards in the UK market that let you earn rewards and have similar benefits.

Header
Apple Card Titanium

Apple Card

Starling Bank Virtual Card

Wise Visa Card

Neo Card

Revolut Metal

Starling Bank Virtual Card

Starling Bank

Monthly Account Fee

Free

Free

£12.99

Free

Add Money

Free

Free

Free

Free

Overdraft Fees

None

N/A

N/A

15%-35%

Min. Cash Back

1%

None

Up to 1%

None

Max. Cash Back

3%

None

30%

None

Domestic ATM

Free

Free*

*Free

Free

International ATM

Free

Free*

*Free

Free

Foreign Currency Transaction Fee

Free

Free

Up to 2%

Free

Card Type

Credit

Debit

Debit

Debit

Website

*Free up to a certain limit

1. Wise's Multi-Currency Account

Starling Bank Virtual Card
  • No monthly or annual fees
  • Hold, spend, and exchange 50+ currencies at great rates
  • Get local bank account details in every currency
  • Withdraw from ATMs anywhere
  • Earn 4.22% interest on your GBP

If you want to get the best exchange rates, open bank accounts in multiple currencies for free, and send and receive money abroad, Wise.com is the best app to do that. It's quick, easy and most importantly, low cost.

Wise first started as a money transfer app but has expanded to offer a free Wise Visa Card, allowing you to spend in 150+ currencies (including British pounds), withdraw from ATMs anywhere (with no fees), and get the real exchange rate. It's a great travel card and offers a great mobile-first experience with no monthly account fees.

Wise has grown to over 10 million users and the currency exchange rate it offers is very good compared to expensive platforms like banks or PayPal. It's also free to sign up and charges no monthly account fees. 

2. Revolut Metal

Neo Card
  • Costs £12.99/month
  • Up to 1% cashback and up to 30% at select restaurants
  • Up to 3.54% annual interest paid daily
  • Revolut has over 28 million users worldwide

Revolut offers four card plans, but the Metal tier which costs £12.99/month is the most similar to the Apple Card because of its cashback and interest rates. 

While it's not a free card, some of the similar features are that you can create spending limits, receive instant notifications, and enjoy up to 3.54% interest on your savings. However, if you prefer a free card, you can opt-in for Revolut's Standard plan but you will get less benefits.

Additionally, you will get up to 1% cashback on purchases, up to 30% cashback when you eat out, and 10 free commission-free stock trades per month, and many other benefits like purchase protection and more. The card itself is made of "solid reinforced steel" but if you don't want to use the physical card, you can spend with Apple Pay or Google Pay as well.

With over 28 million users worldwide, Revolut is one the most popular super apps in the UK that goes far beyond its card. From stocks, to crypto, to banking, money transfers, and more, there are endless reasons to consider trying Revolut.

3. Starling Bank Virtual Card

Starling Bank Virtual Card
  • No monthly account fees
  • Unfortunately, no cashback rewards
  • Up to 3.25% high interest savings account
  • Digital sign up takes minutes

While Starling Bank does't offer cashback, it's similar to the Apple Card with it's mobile-first experience, budget planner, instant payment notifications, and 3.25% high interest savings account. You can also use the virtual card seamlessly with Apple Pay and Google Pay.

Additionally, their Current Account lets you enjoy a fast online sign up, no monthly fees, and every financial product you need in one place (mortgage, insurance, etc). Starling also lets you enjoy no ATM or transaction fees overseas.

If you want a free account with high interest savings and mobile banking, Starling might be a good choice. It's fully regulated and has millions of accounts opened in the UK, proving to be a popular choice.

Conclusion

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

When Was The Apple Card Released?

The Apple Card launched on August 20, 2019 for all US customers. It has still yet to launch outside of the United States into other countries.

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 The UK?

The Apple Card is not available in the UK 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 looks like it has planse to bring the card to UK in the future.

More Apple Card Resources


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