No, the Apple Card is not available in the UK. Apple’s credit card is only offered to qualifying applicants in the United States, and Apple has not announced plans to launch it in other countries.
The good news is that UK residents can get cards with similar features: cashback, no annual fee, no fees abroad and full Apple Pay support. Below we explain how the Apple Card works and compare the best UK alternatives in 2026.
Is the Apple Card available in the UK?
No. To apply for an Apple Card, you must be a US citizen or a lawful US resident with a physical US address (not a P.O. Box). Approval also depends on a US credit check.
If you live in the UK, you can’t apply, even if you own an iPhone and use Apple Pay every day.
Will the Apple Card come to the UK?
There are no announced plans. The Apple Card launched in the US in August 2019 and has stayed a US-only product since then.
In January 2026, Apple announced that JPMorgan Chase will replace Goldman Sachs as the card’s issuer, in a transition expected to take about two years. Mastercard remains the payment network. JPMorgan also runs Chase in the UK, but neither company has said the Apple Card will launch here.
Apple Card alternatives in the UK
| Card | Type | Monthly fee | Best for |
| Chase | Debit and credit | £0 | Cashback and no fees abroad |
| Amex Cashback Everyday | Credit | £0 | Cashback on all spending |
| Revolut | Debit | £0 to £55 | An all-in-one money app |
| Wise | Debit | £0 (£7 for the card) | Spending in other currencies |
Sources: Chase, American Express, Revolut and Wise, October 2026.
The Apple Card is a credit card, so the closest UK matches are the Chase and Amex credit cards. Revolut and Wise only offer debit cards in the UK, which means you spend your own money rather than borrowing.
Chase: best for cashback and no fees abroad
Chase is the UK digital bank of JPMorgan Chase, the bank that is taking over the Apple Card in the US. Chase is a trading name of J.P. Morgan Europe Limited.
Chase offers a current account with a debit card and, for current account customers, a credit card with no monthly or annual fee. Both cards earn 2% cashback, up to £20 a month, on groceries, restaurants and cafés, takeaways, everyday transport, fuel and public EV charging in the UK. To qualify, you need at least 15 card or Direct Debit payments a month and £1,000 or more across your Chase savers.
Like the Apple Card, Chase charges no fees when you use your card abroad, including no foreign exchange fees. Purchases in a foreign currency use the Mastercard exchange rate.
Representative example: 24.9% APR (variable), based on an assumed credit limit of £1,200. Credit is subject to status and affordability.
Amex Cashback Everyday: best for cashback on all spending
The American Express Cashback Everyday Credit Card has no annual fee and pays cashback on all purchases, not just selected categories.
In the first 12 months you earn 2% cashback, up to £200. After that, you earn 0.5% on spending up to £10,000 a year and 1% above £10,000. You need to spend at least £3,000 in your cardmembership year to receive cashback.
The trade-off is acceptance: fewer UK shops take American Express than Mastercard or Visa, so you may need a second card.
Representative example: 29.1% APR (variable). Credit is subject to status and affordability.
Revolut: best all-in-one money app
Revolut in a nutshell
Revolut is a UK-headquartered financial app founded in 2015. Revolut Bank UK Ltd is authorised by the Prudential Regulation Authority and regulated by the FCA and the PRA. Its debit card works with Apple Pay and Google Pay, and the same app lets you save, exchange currencies and invest in stocks and commodities.
Revolut has five personal plans in the UK:
| Plan | Monthly fee | Free ATM withdrawals | FX limit (Mon to Fri) |
| Standard | £0 | £200 or 5 a month | £1,000 a month |
| Plus | £3.99 | £200 a month | £3,000 a month |
| Premium | £7.99 | £400 a month | No limit |
| Metal | £14.99 | £800 a month | No limit |
| Ultra | £55 | £2,000 a month | No limit |
Source: Revolut pricing plans, October 2026. Above the free ATM allowance, a 2% fee applies (minimum £1). Above the FX limit, the fee is 1% on Standard and 0.5% on Plus.
Revolut doesn’t offer credit cards in the UK yet, so it can’t replace the credit side of the Apple Card.
Wise: best for spending in other currencies
Wise in a nutshell
Wise is a UK money transfer company founded in 2011. Its account lets you hold and convert dozens of currencies at the mid-market exchange rate, with a conversion fee shown before you pay. The card works with Apple Pay and Google Pay.
There is no monthly fee. The card costs £7 to order, and ATM withdrawals are free up to £250 a month. Above that, Wise charges 2.69% on the extra amount.
Wise doesn’t offer credit, so it suits travel and payments in other currencies rather than replacing a credit card.
Other options: Monese
Monese in a nutshell
Monese offers a UK current account with a Mastercard debit card that works with Apple Pay. It was bought by Pockit in October 2024 and still accepts new UK customers. Its plans cost £0, £1.95, £5.95 or £14.95 a month, with free ATM withdrawals of up to £200, £500 or £1,500 a month on the paid plans.
Final thoughts
The Apple Card is still a US-only product, and the move to JPMorgan Chase hasn’t changed that. If you want something close to it in the UK, Chase is the nearest match: a no-fee credit card with 2% cashback on everyday spending, up to £20 a month, and no fees abroad.
The Amex Cashback Everyday card pays cashback on all purchases, with 2% in the first year. If you don’t want credit, Revolut and Wise give you a debit card that works with Apple Pay, with Wise the cheaper choice for spending in other currencies.
FAQs
Why can’t I get the Apple Card in the UK?
Apple only offers the Apple Card to US citizens and lawful US residents with a US address. It has not launched the card in any other country.
Which countries is the Apple Card available in?
Only the United States. US cardholders can use it abroad wherever Mastercard is accepted.
What is the Apple Card?
The Apple Card is a credit card created by Apple, currently issued by Goldman Sachs Bank USA and moving to JPMorgan Chase. It pays Daily Cash of 3% at Apple and selected merchants with Apple Pay, 2% on other Apple Pay purchases and 1% with the titanium card. It has no annual, foreign transaction or late fees. As of 1 October 2026, the variable APR ranged from 17.74% to 27.99%. Source: Apple.
Can US residents use their Apple Card in the UK?
Yes. The Apple Card works anywhere Mastercard is accepted, including the UK. Purchases in pounds are converted to US dollars, and Apple charges no foreign transaction fees.
Can I use Apple Pay in the UK without an Apple Card?
Yes. Apple Pay works with debit and credit cards from most UK banks and apps, including Chase, American Express, Revolut and Wise. The Apple Card is only one of many cards you can add to Apple Wallet.
Charlie formerly worked at the Bank of England and is a qualified lawyer with expertise in intellectual property and technology disputes. He currently writes on about financial markets and investing.
