Hey, congratulations on your Apple Card approval offer. I'm not certain if having your score go up 20 more points will make a difference in the offer. I've read a lot of posts from others getting approved for the Apple card and the offer you have received seems to be comparable with those with similar profiles. I think the best option would be to accept this offer and then in 90 days ask for a limit increase. Data points on this forum show that with routine use of the card the limit can rise a lot in the first year by asking every 90 days. Of course by all means do whatever you feel will best work for you!
Your scores are higher than mine but I was approved in November 2020 for $2100 with 0% utilization across my cards with a Transunion Fico 9 score in the low 700's and over 100K in available credit. I think that just getting your foot in the door with them is great! The APR isn't gonna need to be lower if you are able to use the card and not carry a balance (the exception being if you buy eligible Apple products and choose the 0% interest installment plans). My APR is 21.99% but for me it won't be an issue, I pay in full each month.
4k really isn't bad.. In June 2020 they approved me for 1k. I was like NOPE, I have much better cards and imo 1k is a toy limit considering many Apple products cost more than 1k. I tried again in Aug 2020 and was offered 4.5k. That time I took it.
