i do not have a apple phone all i need is the credit card

If you don't have an iPhone, you can apply for an Apple Card and use it for purchases from Apple but you cannot get a physical copy of the card and cannot use it for purchases elsewhere.

To apply, go to https://card.apple.com/apply/start

Just building on what FoxFifth said, it’s likely to be a very frustrating experience for you. The card is designed to be used with an iPhone. You won’t have a MasterCard credit card, you’ll have an Apple Account only good at Apple Retail stores and online at Apple.com/store

If you apply for the card, you sign the Apple Card Customer Agreement and here is the fine print that covers not have an iPhone,

Using Your Account Without a Required Device

This section explains the differences that apply if you use your Account without a Required Device. For example, if you do not apply for or add Apple Card on a Required Device, this section applies.

If you are not using a Required Device, you will not have access to the full experience, functionality, and benefits of Apple Card. We call this "Apple Line of Credit." The following provisions of this section will apply to your use of Apple Line of Credit:

• You will be able to access card.apple.com to: (i) manage your Account; (ii) view your Monthly Statements; (iii) access a copy of this Agreement; (iv) review your APR, DPR, and Margin; (v) view and manage earned Daily Cash; and (vi) make payments by initiating electronic fund transfers from a Payment Source Account. If you do not have an Apple Cash account, Daily Cash can be applied by you as a credit on your Account balance. To cancel a previously scheduled payment, please access card.apple.com or contact us.

• To be eligible for and maintain Apple Line of Credit, you must have: (i) an Apple ID associated with an iCloud account that is in good standing with Apple, as well as a valid email address associated with your Apple ID; (ii) Apple's two-factor authentication turned on for your Apple ID that is associated with your iCloud account; and (iii) a device that has a supported browser and is capable of accessing HTML websites to view and retain documents in commonly used electronic formats, including by downloading or emailing documents to an email account to which you have access. Supported browsers are Safari 7 or later, Firefox 34 or later, Chrome 37 or later, Opera 24 or later, or Edge 83 or later.

• You may use your Apple Line of Credit only to make certain Purchase Transactions at Apple Retail Locations or the Apple Online Store that we authorize and permit. You will only earn and receive Daily Cash on permitted purchases of goods or services directly from Apple. To earn and receive Daily Cash as otherwise described in this Agreement, you will need to use Apple Card with a Required Device.

• A Card will not be automatically added to Apple Wallet and you will not have access to a physical Card unless you add Apple Card to a Required Device in the future. If you do, this section (“Using Your Account Without a Required Device”) will not apply and you may then request a physical Card.

• You will be able to contact us as provided for or required by this Agreement, but to contact the Bank using Messages you will need to use an Apple device supporting Messages and send a Message to Apple, which will route you to the Bank for any Account related questions.

• Any written or electronic notice or communication we send to you will be effective as provided for elsewhere in this Agreement or when it is made available to you through card.apple.com.

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

To answer your question simply and directly, without all the explanations and links, the Apple Card was designed from the ground up to be used primarily with an iPhone and would be very difficult and onerous to use without an iPhone. So the question would be why you think you ‘need’ the card?