Lori Meadows
International students in the US who want to apply for an Apple Card face several requirements, including being 18 or older, having a Social Security number, and having a valid, physical US address. In addition, students need to have a credit history for Goldman Sachs to review, which means a steady income and a Social Security number. Some international students have reported being approved for the Apple Card with a credit history of around six months and a credit score of around 700. However, it's important to note that the requirements for approval may vary, and some students have been approved without a US driver's license or state ID.
| Characteristics | Values |
|---|---|
| Social Security Number | Required |
| Credit History | Required |
| US Citizenship | Required |
| US Address | Required |
| Age | 18 or older |
| Compatible iPhone | Required |
| Two-factor authentication | Required |
| ID | Driver's license or state-issued photo ID |
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What You'll Learn
- International students need a Social Security number and a US address to apply for an Apple Card
- A US driver's license or state ID is required for identity verification
- Building credit history is essential for approval
- International students with good credit have more card options than just student credit cards
- The Capital One SavorOne Student Cash Rewards Credit Card is a good option for international travel, with no foreign transaction fees
International students need a Social Security number and a US address to apply for an Apple Card
International students face several requirements and challenges when applying for an Apple Card. Firstly, a Social Security number is essential. Without a Social Security number, Goldman Sachs, the company that reviews and approves Apple Card applications, will likely decline the application. International students can apply for a Social Security number if they have a U.S. work permit, receiving their number within several weeks.
Additionally, international students must have a physical U.S. address that is not a P.O. Box. This address requirement is strictly enforced, and even U.S. citizens living abroad must provide a valid U.S. address to be eligible for the Apple Card. International students also need to be at least 18 years old and have a compatible iPhone with the latest iOS version.
Furthermore, establishing a credit history is crucial for international students seeking an Apple Card. While some students may be approved with as little as five to seven months of credit history, having a longer credit history and a higher credit score can lead to higher credit limits. One way to build credit history is by obtaining a secured credit card or a postpaid cellular service plan, which can contribute positively to an individual's credit score.
It is worth noting that some international students have reported being approved for an Apple Card without a U.S. driver's license or state ID. However, others have mentioned that a driver's license is the only form of identification accepted by Goldman Sachs when requested. Therefore, international students may benefit from obtaining a temporary driver's license or state ID before applying for the Apple Card to ensure they can provide the necessary identification if required.
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A US driver's license or state ID is required for identity verification
International students applying for an Apple Card may face difficulties in getting their identity verified. Apple requires applicants to provide personal information such as their birth date, home address, annual income, and the last four digits of their Social Security number.
In some cases, Apple may ask for additional information to verify an applicant's identity. This may include scanning a driver's license or a state-issued photo ID. This is a crucial step in the application process, as Apple Cash and Apple Payments Inc. require identity verification for fraud protection and regulatory compliance.
Some international students have reported challenges with identity verification, particularly those without a US driver's license or state ID. In such cases, applicants may need to provide alternative forms of identification, such as a passport card or other federally-verified identification. It is important to note that enhanced or vertically formatted driver's licenses may not be recognized by Apple's ID scanner.
To increase the chances of a successful application, it is recommended to have a Social Security number, a US-based address, and a credit history. Additionally, applicants should ensure that they have the latest iOS version on their compatible iPhone.
While the specific requirements for identity verification may vary, having a US driver's license or state ID can streamline the application process for international students seeking to obtain an Apple Card.
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Building credit history is essential for approval
To apply for an Apple Card as an international student, you must be a legal resident of the US, have a Social Security number, and have generated a credit history. Building credit history is essential for approval.
Credit history is a record of how you have borrowed and repaid debts. It helps people and businesses judge whether they can make an agreement with you. Cell phone companies, landlords, lenders, insurers, and employers often make decisions about your future based on your credit history.
To build credit history, you can open a bank account and use it responsibly. You can also put utility accounts in your name and pay the bills on time. Applying for a credit card can also help build credit history. However, you should only apply for those cards whose requirements you are likely to meet. Before applying, make sure the creditor reports account activity to the credit bureaus.
Another way to build credit history is by having a co-signer with good credit history. You can also open a secured credit card, which may allow you to use your money to establish a credit history. Paying bills on time and maintaining a low balance-to-limit ratio can also help build credit history.
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International students with good credit have more card options than just student credit cards
International students in the US who are interested in applying for an Apple Card need to meet a set of requirements. These include being 18 or older, being a US citizen or a lawful US resident with a valid US address, owning a compatible iPhone, using two-factor authentication with their Apple ID, and having a credit history. This means that international students without annual income or a steady income may not be able to get the Apple Card.
However, this does not mean that international students with good credit are limited to student credit cards only. There are other options available, such as the Capital One SavorOne Student Cash Rewards Credit Card, which has no foreign transaction fees or annual fees, and offers good rewards. This card can be particularly useful for international students who plan to spend most of their time abroad, as it does not charge extra on international purchases.
Additionally, international students can consider building their credit history before applying for credit cards. This can be done by applying for a Social Security number if they have a US work permit, as well as exploring other options such as postpaid cellular service plans, which can contribute to establishing credit.
It is worth noting that some international students have reported getting approved for the Apple Card with a shorter credit history (around 5-7 months) and a lower credit score, although the credit limit tends to be lower.
In conclusion, while the Apple Card may be out of reach for some international students due to the requirement of a steady income and US residency, there are alternative credit card options available for those with good credit. International students can also explore ways to build their credit history to increase their options and work towards qualifying for a wider range of credit cards.
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The Capital One SavorOne Student Cash Rewards Credit Card is a good option for international travel, with no foreign transaction fees
International students in the US seem to face several restrictions when it comes to applying for the Apple Card. While there are some reports of international students successfully obtaining the Apple Card, the general consensus is that a US address and credit history are required. In some cases, a US driver's license or state ID is also necessary.
If you are an international student seeking a credit card option that is well-suited for international travel, the Capital One SavorOne Student Cash Rewards Credit Card is a good choice to consider. This card offers several benefits that make it convenient for international travel:
- No Foreign Transaction Fees: You won't incur any additional charges when making purchases outside of the United States, making it ideal for international travel and purchases in foreign currencies.
- Comprehensive Travel Assistance: Capital One provides 24/7 personalized assistance for dining, entertainment, and travel inquiries. This can be especially useful when navigating unfamiliar locations or dealing with time zone differences.
- Automatic Insurance: When you use your Capital One SavorOne Student card to purchase travel fares, you are automatically insured for covered losses at no extra charge. This provides peace of mind and protection during your travels.
- Emergency Card Services: In the event that your card is lost or stolen while travelling, Capital One offers emergency services, including a cash advance and an emergency replacement card. This ensures that you're not left stranded without access to funds.
- Notification Alerts: Capital One will notify you via text, email, and phone if they detect any potential suspicious transactions on your account. This proactive monitoring helps protect your finances while abroad.
- Virtual Card Numbers: For added security, you can use virtual card numbers when making online purchases, keeping your actual card number secure and reducing the risk of fraud.
- Mobile Banking App: Capital One offers a mobile banking app that allows you to manage your account on the go. This convenience is particularly useful when travelling, as you can access your account information and transactions from anywhere in the world.
The Capital One SavorOne Student Cash Rewards Credit Card is designed for students who may have little or no credit history, and it offers various perks tailored to students' needs, such as cash back rewards and no annual fees. This makes it a versatile option for international students seeking a credit card that can accompany them on their travels and provide useful benefits both at home and abroad.
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Frequently asked questions
Yes, it seems that a requirement to apply for an Apple Card is that the applicant must be a US resident with a valid US address.
Yes, it seems that a credit history of at least 5-7 months is required to apply for an Apple Card.
Yes, it seems that a Social Security Number is required to apply for an Apple Card.
It seems that a US driver's license is not always required to apply for an Apple Card, but it is the only form of ID accepted by Goldman Sachs.
