Apple Card In Canada
The Apple Card, launched by Apple Inc. and issued by Goldman Sachs, is a U.S.-based credit card integrated into the Apple Wallet and designed to work seamlessly with iPhones and Apple Pay. It offers daily cash back, no annual fees, and a sleek digital-first experience — but as of today, it is not available in Canada.
Is the Apple Card Available in Canada?
No. The Apple Card is currently only available to U.S. residents. Canadian consumers cannot apply for or use the Apple Card, even if they own an iPhone and use Apple Pay in Canada. There has been no official announcement from Apple regarding a Canadian launch or timeline for expansion.
Why Isn’t the Apple Card Available in Canada?
- Banking regulations and licensing differ between Canada and the U.S.
- Apple would need to partner with a Canadian financial institution to issue the card
- The credit ecosystem, including underwriting models and cash back incentives, must be tailored to local market standards
- Privacy and financial data laws are stricter in Canada, potentially complicating rollout
What Are Canadian Alternatives to the Apple Card?
If you’re looking for a modern, mobile-friendly credit card experience in Canada similar to the Apple Card, consider the following options:
Neo Credit Card
- No annual fee
- 5% average cashback at partner stores
- Full control through a mobile app
- Customizable rewards
KOHO Prepaid Mastercard
- Mobile-first interface
- Cashback on all purchases
- No interest or debt risk
- Budgeting and savings tools
Tangerine Money-Back Credit Card
- No annual fee
- 2% cashback in categories of your choice
- Seamless digital banking experience
Will the Apple Card Come to Canada?
While Apple has not made any public plans to launch the Apple Card in Canada, it remains a highly requested feature among Canadian iPhone users. If the card expands internationally, Canada would likely be one of the first markets considered, given Apple’s strong brand presence here.
