Apple Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 23.99% (Variable)
Balance Transfer
-
Rewards
1% cashback
Signup Bonus
-


7.5/10
Informr score
The Apple Card currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 3 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...


Money Crashers

If you’re an Apple loyalist who can easily limit your spending mostly to merchants that accept Apple Pay, Apple Card could easily replace whatever card you currently use for day-to-day spending. More likely, you’ll use your Apple Card for all Apple Pay transactions and transactions where Apple is th...

- Brian Martucci, Money Crashers
MyBankTracker

The Apple Card could be a solid rewards credit card for you if you already use Apple Pay to make purchases. It's secure and you can always see at a glance what you've spent and where. The cash back rewards program is good -- only if you regularly spend on Apple purchases or use Apple Pay to shop. Ot...

- Rebecca Lake, MyBankTracker
ValuePenguin

The Apple Card is going against the grain of an established industry and its set practices, but that seems to be exactly the change the industry needs. If the Apple Card is able to deliver on its promises and truly operate in the best interest of consumers, we predict it will be a smashing success.

- Karanveer Singh, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 12.99% ‐ 23.99% (Variable)
Balance Transfer Interest Rate
Cash Advance Interest Rate 12.99% ‐ 23.99% (Variable)
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $0.00
Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back

When using physical card

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

- 3% cash back on everything you buy from Apple

- 2% cash back every time you buy something using Apple Pay

Features & Benefits
Additional Card Holders
Travel Accident Insurance
Car Rental Insurance
Car Rental Discount
Extended Warranty
Purchase Protection
Zero Liability
No Foreign Transaction Fees Yes
Emergency Assistance
Concierge Service
Price Protection
Fraud Protection
Free Credit Scores
Wireless Payments Apple Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
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Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Critic Reviews


Money Crashers

A novel, if not wholly unique, credit card for Apple Pay users

from Money Crashers

If you’re an Apple loyalist who can easily limit your spending mostly to merchants that accept Apple Pay, Apple Card could easily replace whatever card you currently use for day-to-day spending. More likely, you’ll use your Apple Card for all Apple Pay transactions and transactions where Appl...More

If you’re an Apple loyalist who can easily limit your spending mostly to merchants that accept Apple Pay, Apple Card could easily replace whatever card you currently use for day-to-day spending. More likely, you’ll use your Apple Card for all Apple Pay transactions and transactions where Apple is the actual merchant, and keep your other cards for use outside the Apple ecosystem. Either way, you’ll love this card’s industry-leading security features and user-friendly features.

Read full review

Less

MyBankTracker

A credit card with zero fees for a loyal Apple customer

from MyBankTracker

The Apple Card could be a solid rewards credit card for you if you already use Apple Pay to make purchases. It's secure and you can always see at a glance what you've spent and where. The cash back rewards program is good -- only if you regularly spend on Apple purchases or use Apple Pay to shop. ...

More

The Apple Card could be a solid rewards credit card for you if you already use Apple Pay to make purchases. It's secure and you can always see at a glance what you've spent and where. The cash back rewards program is good -- only if you regularly spend on Apple purchases or use Apple Pay to shop. 

Otherwise, you'd earn more cash back with one of the top cash back credit cards that can offer higher cash back rates on a larger number of your purchases.

Read full review

Less

ValuePenguin

Apple is transforming its Apple Pay functionality into a full-fledged credit card service

from ValuePenguin

The Apple Card is going against the grain of an established industry and its set practices, but that seems to be exactly the change the industry needs. If the Apple Card is able to deliver on its promises and truly operate in the best interest of consumers, we predict it will be a smashing success.

Read full review

The Apple Card is going against the grain of an established industry and its set practices, but that seems to be exactly the change the industry needs. If the Apple Card is able to deliver on its promises and truly operate in the best interest of consumers, we predict it will be a smashing success.

Read full review

Less

User Reviews


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