To apply for the card, your iPhone must be updated to iOS 12.4. Then in the Wallet app, just tap the plus sign in the top right corner and fill in your name, address, and the last four digits of your Social Security number so that your credit report can be assessed. If approved for the card, you can start using it within minutes of application, as well as choose to receive a physical Apple Card to accompany your digital one. And IRL, it’s just as sleek as you’d expect an Apple credit card to be. It’s all-white titanium, and the only text on it is your name — no number, CVV, or expiration date. And when I use it at a restaurant, I get a banner notification on my phone the second the merchant swipes the card.