How to get an Apple Account Card

There is an Apple Account (formerly Apple ID) account balance, and Apple Gift Cards and direct transfers end up in that balance. Money transferred into an Apple Account eventually and inevitably goes to Apple. Gift cards cannot be used to buy more gift cards.

There is an Apple Card, which is a credit card operated by Goldman Sachs for Apple. It works like a credit card, though integrated with Apple devices and apps. Apple Card is available to US citizens and legal US residents.

There is also Apple Pay, which is a means to register many credit and debit cards into Apple Wallet, and allowing purchases to be made with those payment cards without presenting the physical payment card. Apple Pay is tied to Apple devices and apps, but the payment cards are operated by third-party payment providers; banks, credit unions, and other institutions.

It’s associated with your payment method in your Apple Account. It is also a repository for redeeming Apple Gift cards. Any funds deposited or redeemed gift cards can only be used for purchase of Apple products and services. Any funds in the account are non-transferable and non-refundable.

Is this the type of account you want to setup?

Yes, it is only a US feature administered locally by Goldman Sachs bank.

Edit: Sorry, I was thinking you were specifically talking about the Apple Card (credit card).