What if I don't have an iPhone?
How can I use the Apple Card without an iPhone?
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Without an iPhone you can only use the card for online purchases and in store at Apple locations.
How to apply for Apple Card - Apple Support
If you apply online and don't add Apple Card to an eligible iPhone or iPad that you own, you can only use it to make eligible purchases online and in-store at Apple.2
Link-> How to make purchases with Apple Card - Apple Support