Apple Card review

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Advertiser Disclosure

Interest Rate: Purchases
10.99% ‐ 21.99% (Variable)
Balance Transfer
1 - 3% cashback
Signup Bonus

Informr score
The Apple Card currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 19 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Apple Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Wirecutter

The much-ballyhooed Apple Card didn’t revolutionize the credit card industry upon its arrival. But it has proven to be a useful card that can make you a better shopper.

- Taylor Tepper, The Wirecutter
The Motley Fool

The Apple Card can be a smart choice if you're building or rebuilding your credit, because its benefits compare favorably to other credit cards for consumers with fair credit. The fact that it explains how much interest you'll pay based on your payment amount also makes it useful if you're new to cr...

- Lyle Daly, The Motley Fool
Modern Accessory Review

In terms of perks and benefits there are other credit cards that offer more. It doesn’t have any big rewards and just gives you some cashback. For someone out there who is looking for the best of the best in terms of cashback and bonuses then this isn’t the card for them. However, if you are someone...

- Gino Buti, Modern Accessory Review

The Apple Card is a rewarding option for people with good credit or better who regularly buy Apple products and services, as well as for iPhone, Mac and iWatch users who are comfortable making purchases using Apple Pay. Having the new Apple Credit Card from Goldman Sachs in your wallet doesn’t have...

- John S Kiernan, WalletHub

If you’re an Apple enthusiast, the Apple Card does have some useful features and will fit in with your lifestyle. However, there are many better cash-back cards on the market, so you should look for alternatives before settling for on this card.

- TJ Porter, Cardcruncher


Interest Rates
Regular APR Interest Rate 10.99% ‐ 21.99% (Variable)
Balance Transfer Interest Rate
Cash Advance Interest Rate
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $0.00
Sign up bonus

Get $50 back when when you spend at least $50 with Apple Pay at Panera Bread

All Purchases 1% cash back

When using physical card

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy 3% cash back

On purchases made at Walgreens and Duane Reade via Apple Pay

Bills No
Additional Details
  • 3% cash back on T-Mobile, Nike, Uber, UberEATS, Panera Bread, and Exxon/Mobil purchases via Apple Pay
  • 6% cash back on everything you buy from Apple
  • 2% cash back every time you buy something using Apple Pay
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards Yes
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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