It Can Only Be Linked to a Single iCloud Account

You’ll be able to use your Apple Card across all of your devices — as long as they are logged into the same iCloud account. According to anecdotal user reports, the Apple Card is actually tied to a person’s iCloud credentials. That doesn’t sound like a big deal, but it could cause complications for some users.

For example, if you have multiple iCloud accounts, you will only be able to use the Apple Card on the account that you used to apply for it. If you’d like to create a new iCloud account for any reason, you’ll need to cancel your Apple Card and go through the application process again (which includes another hard credit pull).