View your Apple Card credit details and learn how to request a credit limit increase

Learn how to find the available credit on your Apple Card, the credit limit, APR, and how to request a credit limit increase.

View your Apple Card credit details

On your iPhone

  1. Open the Wallet app and tap Apple Card. You'll see your Card Balance right below your Apple Card.

  2. Tap the More button, then tap Account Details.

  3. Scroll down to Credit Details to see your Credit Limit, Available Credit, and APR.

On your iPad

  1. Open the Settings app.

  2. Scroll down and tap Wallet & Apple Pay.

  3. Tap Apple Card, then tap the Info tab.

  4. Under Credit Details, you can see your Card Balance, Credit Limit, Available Credit, and APR.

If you're part of an Apple Card Family account

If you're an owner or co-owner1 of an Apple Card Family account,2 you can let a participant3 in your family see the card balance, available credit, and credit limit on the account:

  1. On your iPhone, go to Settings > [your name], then tap Family Sharing.

  2. Tap the participant's name, then tap Apple Card.

  3. Turn on Show Balance Details.

Factors that Goldman Sachs considers when you request a credit limit increase

  • Whether you have had past-due payments on your Apple Card or with another credit issuer within the last 2 years.

  • How much you pay when you pay your monthly bill. Customers who are most often approved for credit limit increases regularly use their Apple Card and pay their monthly balance off each month or pay more than the minimum amount due.

  • If you've purchased an Apple product using Apple Card Monthly Installments and you're still making monthly payments, the full monthly installment balance must be paid each month.

  • How long you've been making payments—you need 3 consecutive months of successful Apple Card payments, no balance due for 3 consecutive months, or a combination of both. A successful payment is one equal to or greater than the minimum amount due.

  • Your credit utilization history from TransUnion. Credit utilization for credit cards is the ratio between card balances and credit limits.

  • Your FICO Score 9 from TransUnion.

  • The number of hard inquiries on your TransUnion credit report in the last 8 months.

  • Your debt-to-income ratio.

Key things to consider before you request a higher limit

  • If your Apple Card account is relatively new, you recently joined an Apple Card Family, or you recently had a credit limit increase, use your card for 6 or more months before you request a credit limit increase. Waiting at least 6 months will help Goldman Sachs Bank USA have enough information to evaluate your account.

  • Goldman Sachs makes credit limit increase decisions based on various factors over a historical period, so it's important to demonstrate responsible credit usage over time. If you recently took positive steps regarding your credit usage, it may take time for a regular pattern of positive credit usage to be established.

  • You don't have to request a credit limit increase to get one—Goldman Sachs regularly evaluates Apple Card accounts for credit limit increases.

How to request an Apple Card credit limit increase

When you request an increase to your Apple Card limit, the request doesn't impact your credit score.

If you're part of an Apple Card Family, only account owners and co-owners of a shared Apple Card account can request a credit limit increase.

On your iPhone:

  1. Open the Wallet app and tap Apple Card.

  2. Tap the More buttonMore button, then tap Account Details.

  3. From the top of the screen, tap the Message buttonMessage button.

  4. Type a message requesting a credit limit increase, then tap the Send button Send button .

A request for a specific increase amount is not considered.

On your iPad:

  1. Open the Settings app.

  2. Scroll down and tap Wallet & Apple Pay.

  3. Tap Apple Card, then tap the Info tab.

  4. Tap the Message buttonMessage button .

  5. Type a message requesting a credit limit increase, then tap the Send buttonSend button .

A request for a specific increase amount is not considered.

If your request is declined

If your credit limit increase request was declined, Goldman Sachs will email you at the address associated with your Apple Card. The message will explain why your request wasn't approved.

Tips to improve your chances of getting a credit limit increase

  • Review the factors that Goldman Sachs considers when you request a credit limit increase.

  • Address the issues Goldman Sachs provided in the email notifying you that your request was declined.

  • You can make another request for a credit limit increase at any time, but some customers improve their chances of being approved when they wait at least 6 months.

  1. Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.

  2. Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.

  3. If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. The account owner remains responsible for all purchases made by a Participant. For more details including some risks and benefits of being a Participant, click here.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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