How to Increase the Credit Limit of Your Apple Card

While you might get an automatic credit limit increase on your Apple Card, you can also ask for one on your own.

Advertising & Editorial DisclosureLast Updated: 11/18/2022
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Last Updated: 11/18/2022

The no-annual-fee Apple Card from Goldman Sachs comes with a range of benefits, and a higher credit limit enables you to make the most of what’s on offer. With an increased limit, you can use your card more liberally without negatively affecting your credit utilization ratio.

You may request an Apple Card credit limit increase online or over the phone. Some cardholders get automatic increases, although there are no published guidelines surrounding who may receive one.

Whether you get an Apple Card credit limit increase automatically or ask for one on your own, you don’t have to worry about a hard credit pull. Goldman Sachs, the card’s issuer, only carries out soft pulls for credit limit increase requests.

If Goldman Sachs declines to raise your credit limit, you can always resubmit your request. However, it’s best to take steps to remedy any issues that may have led to the rejection before doing so. Applying for a new card is also an option.

On This Page:
MoneyGeek’s Takeaways

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Using your Apple Card responsibly might result in an automatic credit limit increase.

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You may submit a request for an Apple Card credit limit increase online or over the phone.

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A good credit score and making payments on time will increase the odds of approval.

How to Request a Credit Increase With Your Apple Card

You may request a credit limit increase on your Apple Card online or over the phone. If you plan to call, the number to use is 877-255-5923. Submitting an online request is possible by using your iPhone or iPad.

iPhone

1

In the Wallet app, select Apple Card.

2

Select the More button, followed by the Message button.

3

Request a higher credit limit by typing a message.

4

Send your message.

iPad

1

In the Settings app, select Wallet & Apple Pay.

2

Select Apple Card, followed by the Info tab.

3

Select the Message button.

4

Request a higher credit limit by typing a message.

5

Send your message.

Will My Apple Card Automatically Receive a Credit Limit Increase?

There are instances when Apple Card holders receive automatic credit limit increases. While Goldman Sachs doesn’t have published guidelines surrounding who might qualify, you can increase the likelihood of getting one by following a few best practices.

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    Pay on time

    Make sure you don't make late or returned payments.

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    Keep a low balance

    Keep your card's outstanding balance to less than 30% of the card's credit limit.

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    Use it often

    Even though this card has no annual fees, the bank still makes money each time you use your card through transaction fees. When you use your card regularly, the bank stands to make more money. Offering a higher credit limit encourages you to use your card even more.

When Should I Request a Credit Limit Increase?

You typically need a payment history of six months or more with your Apple Card before you may qualify for a credit limit increase. However, other factors affect the outcome of your request too. For instance, a recent pay hike might work in your favor.

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    Your credit utilization ratio should be below 30%

    Your credit utilization ratio reflects how much you owe compared to your total available credit. If you have two cards with a combined credit limit of $10,000 and owe a total of $5,000, your credit utilization ratio is 50%. This number should be below 30%, not just for your Apple Card but for all your cards.

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    Your credit score should be over 660

    Just as when you apply for the Apple Card, there's a possibility that Goldman Sachs will approve your credit limit increase request if your FICO score is above 660. However, you stand a better chance if it's over 700.

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    Payments should be on time

    Making on-time payments toward the balance on your Apple Card is key if you hope to qualify for a higher credit limit.

Timing can play an important role in getting approved for an Apple Card credit limit increase. For example, if there’s been a significant improvement in your credit score recently, consider going ahead with your request. However, it’s likely not the best time to ask for an increase if you’ve noticed a dip in your score — whether due to a late payment, a high credit utilization ratio, or something else.

Factors That Determine Credit Limit Increases or Decreases

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  • You make timely payments
  • You maintain a low outstanding balance
  • Your credit score has improved
  • Your income has increased
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  • Your account shows late/returned payments
  • You maintain a high outstanding balance
  • You don’t use your card often
  • Someone has stolen your identity

What to Do if the Request Is Denied

Goldman Sachs might deny your Apple Card credit limit increase request for different reasons. These include:

  • You missed making payments.
  • You’ve made late or returned payments.
  • You’ve accumulated a significant amount of debt.
  • You have insufficient income.
  • You have a low credit score.
  • You’ve submitted multiple applications for credit in the recent past.

If Goldman Sachs rejects your request, consider submitting another request after six months. In the interim, it’s best to make a concerted effort to address the problems that caused the initial denial. For instance, if you have average creditworthiness, you’ll want to work on improving it by making all your payments on time and paying off as much of your debt as possible.

Another option is to apply for a new card from a different issuer after comparing your options.

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MONEYGEEK EXPERT TIP

Raising your credit score is a marathon, not a spring. Good financial habits like paying your bills in full on time each month and progressively using your allotted credit efficiently will get you a credit score that is regularly on the rise. Brett Holzhauer, contributing expert for MoneyGeek

Who Is the Apple Credit Card For?

The no-annual-fee Apple Card is best suited for people who use Apple products and wish to earn high cash back. This card offers 3% cash back on Apple purchases and purchases made through partner merchants. Using Apple Pay to make all other purchases comes with 2% cash back. Making interest-free monthly payments for Apple products is possible. This card does away with foreign transaction fees, making it ideal to use outside the U.S. However, it doesn’t offer a welcome bonus, purchase protection, extended warranty or travel coverage.

Pros and Cons of the Apple Card

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Pros
  • No annual fees
  • No foreign transaction fees
  • 3% cash back on Apple purchases
  • 3% cash back on purchases at select merchants
  • 2% cash back on all other purchases made using Apple Pay
  • Interest-free monthly installments for Apple purchases
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Cons
  • No welcome bonus
  • No balance transfers
  • No intro low APR offer
  • No purchase protection
  • No travel insurance

Apple Credit Card Alternatives

Several credit card issuers offer you the ability to earn cash back/rewards without paying any annual fees. One such card is the Capital One SavorOne Rewards Card, which offers cash back on purchases within select bonus categories. Other cards — such as the American Express Blue Cash Preferred Card — charge a nominal annual fee and, in return, offer higher rewards and more perks.

Alternative Credit Cards That Offer Rewards
  • Credit Card Name
    Rewards Rate
    Annual Fee
    • 3% cash back at grocery stores
    • 3% cash back on dining, popular streaming services
      and entertainment
    • 1% cash back on all other purchases

    $0

    • 5% back at Amazon.com
    • 5% back at Whole Foods Market
    • 2% back at gas stations, restaurants and drugstores
    • 1% back on all other purchases

    $0

    • 3% cash back on groceries at U.S. supermarkets
      (on up to $6,000 per year)
    • 3% cash back on online retail purchases in the U.S.
      (on up to $6,000 per year)
    • 3% cash back on gas at U.S. gas stations
      (on up to $6,000 per year)
    • 1% cash back on all other purchases

    $0

    • 6% cash back on groceries at U.S. supermarkets
      (on up to $6,000 per year)
    • 6% cash back on select U.S. streaming subscriptions
    • 3% cash back on transit (includes rideshare, taxis,
      buses, buses, parking and tolls)
    • 3% cash back on gas at U.S. gas stations
    • 1% cash back on all other purchases

    $95

Capital One SavorOne Rewards Card - A good cash back card for international travelers
The no-annual-fee Capital One SavorOne Rewards Card offers new cardholders a $200 early-spend cash bonus if they spend $500 on purchases in the first three months. An intro 0% APR offer applies on purchases and balance transfers for the first 15 months. You can earn up to 3% cash back through category-based spending. This card doesn’t charge foreign transaction fees. It comes with complimentary extended warranty coverage and travel accident insurance.

Amazon Prime Rewards Visa Signature Card - A great card for Amazon Prime members
The Amazon Prime Rewards Visa Signature Card charges no annual or foreign transaction fees. Cardholders with an eligible Prime membership can earn 5% cash back at Amazon.com and Whole Foods Market. There are other bonus categories too. Cardholders may also benefit through complimentary purchase protection, extended warranty protection, auto rental collision damage waiver, roadside dispatch, baggage delay insurance, lost luggage reimbursement, travel accident insurance, and travel and emergency assistance.

American Express Blue Cash Everyday Card - Good for earning cash back in the U.S.
The no-annual-fee American Express Blue Cash Everyday Card lets you earn a $200 welcome bonus if you spend $2,000 on purchases in the first six months. The card also offers a 0% APR introductory APR on purchases and balance transfers for the first 15 months. As you spend, you can earn up to 3% cash back when you spend on bonus categories.

American Express Blue Cash Preferred Card - Great for earning high cash back in the U.S.
The American Express Blue Cash Preferred Card offers new cardholders a $350 welcome bonus if they spend $3,000 on purchases in the first six months of card membership. In addition, cardholders get an intro 0% APR on purchases and balance transfers for the first 12 months. You can earn up to 6% cash back through category-based spending.

Other Questions You May Have About Apple Card Increases

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About the Author


Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


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