Six years after Apple Card first launched in the U.S., there is still no indication the credit card will be made available internationally.
The Apple Card debuted on 20 August 2019 in partnership with Goldman Sachs, positioned as a secure, digital-first credit card designed to work seamlessly with Apple’s Wallet app. It introduced features such as real-time transaction tracking, colour-coded spending summaries, and Daily Cash cashback rewards. A minimalist titanium physical card was also offered for use where Apple Pay is not accepted.
Launched alongside the iPhone 11, Apple Card marked a major step into consumer finance. Over time, Apple added new features, including Apple Card Family, which allows users to co-manage credit, and Advanced Fraud Protection. In 2023, Apple introduced Apple Savings, a high-yield account linked to Apple Card, further expanding its financial ecosystem.
Despite these developments, the card remains exclusive to the U.S., even as interest has grown in markets such as the UK, Canada, and Europe. Apple CEO Tim Cook said in 2019 that the company aimed to bring Apple Card “to every country,” but six years on, an international rollout has yet to materialise.
Industry observers suggest several factors may be slowing Apple’s global expansion. In many countries, especially in Europe and the UK, digital banking is already highly advanced, with services like Monzo, Revolut, and Starling offering instant notifications, spending categorization, and app-based banking—features that Apple Card introduced to the U.S. market.
Regulatory hurdles and banking infrastructure also present challenges. Apple initially partnered exclusively with Goldman Sachs, which had limited international consumer banking operations, constraining Apple’s ability to scale abroad. Recent reports indicate tensions between Apple and Goldman Sachs, with the bank reportedly considering exiting the consumer finance space. Apple is said to be exploring new partnerships with international financial institutions better positioned to support a global rollout.
While these developments could eventually pave the way for an international launch, there are currently no reports or rumours suggesting Apple Card will be available outside the U.S. in the near future.
