Applications to Apple's new digital credit card, dubbed simply Apple Card, are now available to all iPhone users in the United States. This follows a short period when Apple offered early access to a select number of customers who signed up and an employees-only test before that.

Apple Card is a MasterCard backed by Goldman Sachs, and it is primarily managed and used inside the Wallet app on iPhones running iOS 12.4 or later. Users can track their spending categories, pay off the card, order a physical card, and more from within the app.

Apple aimed to address a few common complaints about credit cards with this product—for example, credit card transaction histories are often cryptic, and it's sometimes difficult to determine which vendor a charge was made at if the abbreviated name behind the charge doesn't match the vendor's public-facing name; Apple Card's transaction history shows full names of vendors, along with splash images matching the spending category when possible.

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