apply for apple credit card option not available in my wallet app.

Is your iPhone updated to latest iOS, version 18.4? Is your device a managed device issued by an employer or school?

Do you meet all the qualifications?

See if you're eligible

• 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.
• You need an iPhone or iPad with the latest iOS or iPadOS. 
• You need to be signed in to your Apple Account and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver's License or State-issued photo ID.

Update to iOS 18.4.1 released today.

Are you currently in the US? Are you using a VPN?

Is your iPhone updated to latest iOS, version 18.4? Is your device a managed device issued by an employer or school?

So, you’ve updated to 18.4, correct? Have you traveled recently? Have you tried using WiFi and cellular? Do you have a Mac or iPad?