Applying with itin number
u/keylatorresr/AppleCardJan 30, 2026
I have 2 years with my ITIN and I got approved for the Apple Card
You can retry the identity check, but Apple's published instructions do not confirm that your ITIN can replace a Social Security number.
“I was denied an Apple credit card because they couldn't verify my identity. How can I successfully verify my identity to get approved when applying with an ITIN?”
Summary
Apple provides a clear process for correcting information and retrying an identity check, so this denial does not prevent you from applying again. The important limit is that neither a successful ID scan nor an ITIN guarantees credit approval. [2, 4, 6]
After addressing the ITIN issue with Goldman Sachs, your next step depends on the photo ID you have.
You have a current, matching photo IDCorrect and retry
Correct any application errors, then resubmit and scan your driver's license or state-issued photo ID if requested. Apple says the ID must be unexpired, unobscured, and match the application's date of birth, last name, and address. [2]
Your ID is expired or does not matchFix ID first
Fix the inaccurate application information or update your ID before another attempt. Apple specifically says to apply again after updating an ID whose information does not match the application. [2]
You only have other identity documentsSpecialist help
Use the Goldman Sachs support route below before resubmitting. Apple's published scan instructions name a driver's license or state-issued photo ID; they do not confirm that a passport or ITIN letter is an accepted substitute. Specialist help is available, but an alternate-document approval route is unconfirmed. [1, 3]
These are troubleshooting routes, not a promise that Goldman Sachs will accept your ITIN or approve your application.
Read the full explanationHide the full explanation
Watch out for
An ITIN is not the only eligibility issueApple separately requires you to be a U.S. citizen or lawful resident, meet its age requirement—18 or older, depending on where you live—and have a valid physical U.S. address, not a P.O. Box. A military address is allowed. Do not assume an ITIN alone satisfies these requirements. [4]
Verification is not guaranteed approvalCorrecting the identity problem does not guarantee a card: Apple Card remains subject to credit approval. Apple says a denial or an offer you do not accept will not affect your credit score; accepting an approved offer may affect it. [4, 6]
Apple Cash verification is differentOn Apple's combined help page, use the Apple Card section. The Settings → Apple Cash → Verify Identity instructions are for Apple Cash, not the Apple Card application process. [1]
Next steps
Use this order to address the ITIN uncertainty before making another application attempt.
Before reapplying
Have Goldman Sachs address your ITIN application
Call Apple Card support at 877-255-5923. Say: “My application was declined because my identity could not be verified. I have an ITIN, not a Social Security number. Please review how my application can be processed and which identity documents you will accept.” This is a request for handling your individual application—not a confirmed manual-approval program. Apple's published instructions ask for SSN information, so do not assume that an SSN-labeled field accepts your ITIN. [1, 3]
Requirements
Your denial email
The Apple Account used for the application
Before the next scan
Correct your application and photo-ID details
Correct inaccurate application information. Make sure the date of birth, last name, and address on the ID match the application. If your ID is outdated or contains information that needs correcting, update it before reapplying; do not change accurate application details merely to match an outdated ID. If you only have other documents, use the specialist route in step 1 rather than assuming they will be accepted. [1, 2]
Requirements
An unexpired driver's license or state-issued photo ID for the published scan process
Correct name, date of birth, and address
When ready to retry
Resubmit and scan the ID when requested
On your iPhone, open Wallet, tap the plus button, select Apply for Apple Card, and tap Continue. Complete the application and, if requested, scan the ID with nothing between the camera and the document that could obscure any part of it. Apple says to submit again after completing its identity corrections. [2, 5]
Requirements
The ITIN issue addressed with Goldman Sachs
Corrected application information
A current, matching photo ID
If the same problem happens again
Escalate a repeated identity denial
Call 877-255-5923 and request an Apple Card Specialist at Goldman Sachs. Explain that the application was declined again for identity verification after you corrected the information and ID. Apple expressly directs you to a specialist after a repeated denial for the same reason; it also directs you there if the photo ID will not scan properly. Another application can still receive the same decision, so repeating it unchanged is not a documented solution. [2, 3, 6]
Requirements
The new denial message
A description of the corrections you made
Others who faced this
You are not the first to go through this. Here is how it went for others who asked the same thing.
Legal sources
This answer uses Apple's current application, identity-verification, and privacy instructions, alongside Goldman Sachs's Apple Card Customer Agreement.
Apple Support: Verify your identity for Apple Card or Apple Cash
Apple's published Card instructions ask for SSN information and identify the photo-ID scan, without confirming an ITIN substitution.
Apple Support: Verify your identity for Apple Card or Apple Cash
Apple Card
When you apply for Apple Card, you're required to give personal information like your birth date, home address, annual income, and the last four digits of your Social Security number. If we need more information to verify your identity, you might be asked to scan your driver’s license or state-issued photo ID.
Apple Support: How your Apple Card application is evaluated
Apple provides a correction-and-reapplication process and directs repeated identity-verification denials to Goldman Sachs.
Apple Support: How your Apple Card application is evaluated
Identity-verification troubleshooting
Make sure your name, address, and other information on your Apple Card application are correct. If you find inaccurate information, re-enter the information as needed. If you are asked to verify with an ID, follow these steps: Make sure there is nothing between your device's camera and your ID that could obscure any part of it. Check that the Date of Birth, Last Name, and Address on the ID match the information you entered for your Apple Card application. Make sure the ID hasn't expired. After you complete these steps, submit your application again.
Apple Card & Privacy
Apple publishes a direct support number for Apple Card questions.
Apple Card & Privacy
Apple Card Support
You can also contact support directly with questions by calling 877-255-5923.
Apple Support: How to apply for Apple Card
Apple sets citizenship or residency, age, and address requirements, and approval remains a separate credit decision.
Apple Support: How to apply for Apple Card
Eligibility and issuer disclosure
To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live. You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address. 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.
Apple Support: How to apply for Apple Card
Apple explains how to start the application in Wallet.
Apple Support: How to apply for Apple Card
Application steps
Select Apply for Apple Card, then tap Continue. Complete your application.
Apple Support: How your Apple Card application is evaluated
A denial does not affect your credit score, but accepting an approved offer may; reapplying can still produce the same decision.
Apple Support: How your Apple Card application is evaluated
Reapplication and credit-score effects
Your credit score won't be affected if you are declined or don't accept your offer. However, it might be impacted if your application is approved and you accept your offer. You can apply for Apple Card again but might receive the same decision.
These are the official rules as published on the cited dates; requirements and procedures can change.
This is general information about official processes, not legal advice, and SettleKit is not a law firm.
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