Apple credit for citizens with us address that lives abroad.

Goldman Sachs Bank, issuer and servicer of Apple Card MasterCard accounts, requires either a US state issued Drivers License or state ID. No exceptions, sorry.

>>See if you're eligible

• To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
• You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
• Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
• You must sign in on your device with your Apple ID and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver License or State-issued photo ID.<<

How to apply for Apple Card - Apple Support

Federal banking regulations require banks to >Know Your Customer<. Your GPS will almost certainly restrict your application and using a VPN is an automatic denial by the bank. I really don’t see a way around your issue.

>>A Customer Identification Program (CIP) is a United States requirement, where financial institutions need to verify the identity of individuals wishing to conduct financial transactions with them and is a provision of the USA Patriot Act. More commonly known as know your customer, the CIP requirement was implemented by regulations in 2003 which require US financial institutions to develop a CIP proportionate to the size and type of its business. The CIP must be incorporated into the bank's Bank Secrecy Act/Anti-money launderingcompliance program, which is subject to approval by the financial institution's board of directors.<<

https://en.wikipedia.org/wiki/Customer_Identification_Program

That’s that is correct. But I’m not sure how you are going to apply living overseas. You are overseas and the Apple Wallet app is not permitting you to complete an application. Why? Because the GPS on your iPhone is telling the bank your location. You need to be physically in the US to apply. Using a VPN will not work either.

When you apply for the Apple Card, it’ll be associated with your Apple ID. What address does your Apple ID have? There are many failsafes in the system.

Re: “… I live in Israel … “

The card requires U.S. residency.

See requirements here:

How your Apple Card application is evaluated - Apple Support

Don’t be surprised if they request an ID. Do you have any US credit? If you don’t have a FICO score 9 from TransUnion, you’ll fail again.

Do you have a US state issued Drivers License or state issued ID?