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You can do this but it’s going to be a hassle. I had a whole post typed up but I’m not 100% sure about the limitations when using it the way you intend to so I removed it.
@Anonymous wrote:So, It looks like to get an Apple Card an iPhone is required? A bit of silly requriement...
I guess an iPad doesn't qualitfy you? Figured that would be enough but guess no. Figure they want people using Apple Pay as much as posssible and not the physical card.
Per macrumors.com
The report claims that the iPad will have a dedicated app for signing up for and managing the Apple Card, as confirmed by hidden iOS 12.4 references uncovered by developer Steve Moser.
I was able to apply on my iPad, although I was declined! 1st I had to request an invite by tapping Notify Me on their website (https://www.apple.com/apple-card/) The next day, my invite was in my email...with the subject line Get early access to Apple Card. Update to iOS 12.4 to apply. I updated to iOS 12.4 like it stated, and once that was done I went to Settings...Wallet & Apple Pay...Add Card, and Apple Card was there as an option. I applied from there!