Apple Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.74% ‐ 23.74% (Variable)
Balance Transfer
-
Rewards
1 - 3% cashback
Signup Bonus
-


7.3/10
Informr score
The Apple Card currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 12 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 Balance

If you’re among the Apple faithful, it’s worth taking a look at the Apple Card. The card, issued by Goldman Sachs, reserves its best rewards for Apple purchases and transactions made using Apple Pay, which makes it less of a physical card than it is an incentive program for using Apple’s proprietary...

- Christine Digangi, The Balance
Gizmodo

It’s not a terrible idea if you’re trying to rebuild credit and plan to pay in full every month. Or if you’ve tattooed “Apple Pay All the Way” across your heart. Or even if you like to be that person who clanks a titanium card down so your friends can ooh and ahh. For everyone else, there’s probably...

- Victoria Song, Gizmodo
Cnet

Using the Apple Card is all told a simple and straightforward experience. And if you are looking for a simple cash-back card, have an iPhone and don't mind using Apple Pay, then at 2% cash back it's one of the better ones you'll find available. The 3% at Apple is great, but for most Apple hardware y...

- Eli Blumenthal, Cnet
Apple Insider

Apple Card is more than just another credit card. It is a first big step for Apple and a status symbol to those toting it around. There are absolutely downsides to Apple Card but it is an enticing proposition for fans of the iPhone maker.

- Andrew O'Hara, Apple Insider
Hustler MoneyBlog

The Apple Credit Card is a good option for those who spend a lot at Apple since you get 3% cashback! The numberless card feature is its most recognizable characteristic, it’s meant to be a safer option that could help with reducing skimming accidents! However, there are a few downsides with this car...

- Rijea Donayre, Hustler MoneyBlog

Details


Interest Rates
Regular APR Interest Rate 12.74% ‐ 23.74% (Variable)
Balance Transfer Interest Rate
Cash Advance Interest Rate 12.74% ‐ 23.74% (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 3% cash back

On purchases made at Walgreens and Duane Reade

Bills No
Additional Details

- 3% cash back on T-Mobile, Uber, and UberEATS when you use Apple Pay

- 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
More
Additional comments
Suggest a correction

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Critic Reviews


The Balance

Great rewards rate on Apple Pay purchases

from The Balance

If you’re among the Apple faithful, it’s worth taking a look at the Apple Card. The card, issued by Goldman Sachs, reserves its best rewards for Apple purchases and transactions made using Apple Pay, which makes it less of a physical card than it is an incentive program for using Apple’s proprietary technology.

Read full review

If you’re among the Apple faithful, it’s worth taking a look at the Apple Card. The card, issued by Goldman Sachs, reserves its best rewards for Apple purchases and transactions made using Apple Pay, which makes it less of a physical card than it is an incentive program for using Apple’s proprietary technology.

Read full review

Less

Gizmodo

Fine but not exactly deserving of its hype

from Gizmodo

It’s not a terrible idea if you’re trying to rebuild credit and plan to pay in full every month. Or if you’ve tattooed “Apple Pay All the Way” across your heart. Or even if you like to be that person who clanks a titanium card down so your friends can ooh and ahh. For everyone else, the...More

It’s not a terrible idea if you’re trying to rebuild credit and plan to pay in full every month. Or if you’ve tattooed “Apple Pay All the Way” across your heart. Or even if you like to be that person who clanks a titanium card down so your friends can ooh and ahh. For everyone else, there’s probably a better card elsewhere. It just won’t be as buzzworthy.

Read full review

Less

Cnet

Best for iPhone users who love Apple Pay

from Cnet

Using the Apple Card is all told a simple and straightforward experience. And if you are looking for a simple cash-back card, have an iPhone and don't mind using Apple Pay, then at 2% cash back it's one of the better ones you'll find available. The 3% at Apple is great, but for most Apple hardwa...More

Using the Apple Card is all told a simple and straightforward experience. And if you are looking for a simple cash-back card, have an iPhone and don't mind using Apple Pay, then at 2% cash back it's one of the better ones you'll find available. The 3% at Apple is great, but for most Apple hardware you can often save a lot more by shopping at a third-party store. Also, unlike premium cards, it doesn't have a rewards points program or features like extended warranties and price protection. As evidenced by the Uber partnership, Apple seems to be working to build expand the card's value, and at first step, the Apple Card shows promise. But to become my go-to it needs to add a bit more.

Read full review

Less

Apple Insider

More of an experience than a reward generator

from Apple Insider

Apple Card is more than just another credit card. It is a first big step for Apple and a status symbol to those toting it around. There are absolutely downsides to Apple Card but it is an enticing proposition for fans of the iPhone maker.

Read full review

Apple Card is more than just another credit card. It is a first big step for Apple and a status symbol to those toting it around. There are absolutely downsides to Apple Card but it is an enticing proposition for fans of the iPhone maker.

Read full review

Less

Hustler MoneyBlog

Best rewards towards Apple purchases

from Hustler MoneyBlog

The Apple Credit Card is a good option for those who spend a lot at Apple since you get 3% cashback! The numberless card feature is its most recognizable characteristic, it’s meant to be a safer option that could help with reducing skimming accidents! However, there are a few downsides with th...More

The Apple Credit Card is a good option for those who spend a lot at Apple since you get 3% cashback! The numberless card feature is its most recognizable characteristic, it’s meant to be a safer option that could help with reducing skimming accidents! However, there are a few downsides with this card like no sign-up bonus and if you lose your phone, it’s a big security risk since your card is on it.

Read full review

Less

CreditCards.com

Simple, transparent and private

from CreditCards.com

While we are unimpressed with the new Apple Card’s cash back rewards program, it does offer some compelling new features that may appeal to cardholders looking for a better app experience.

Read full review

While we are unimpressed with the new Apple Card’s cash back rewards program, it does offer some compelling new features that may appeal to cardholders looking for a better app experience.

Read full review

Less

Digital Trends

Come for the titanium card, stay for the app

from Digital Trends

If you are loyal to Apple and have decent credit, and don’t have any top-tier rewards cards (or none at all), it’s worth it to apply. However, if you have outstanding credit, you’ll find better cards elsewhere. It’s also not the card for frequent travelers as you can get genuine rewards elsewhere.

Read full review

If you are loyal to Apple and have decent credit, and don’t have any top-tier rewards cards (or none at all), it’s worth it to apply. However, if you have outstanding credit, you’ll find better cards elsewhere. It’s also not the card for frequent travelers as you can get genuine rewards elsewhere.

Read full review

Less

iMore

A different kind of credit card

from iMore

Let me remind you once again that Apple Card is, after all, still just a credit card. With that having been said, the interaction I have at my fingertips with my transactions, balance, interest accrued, and payment options is uniquely Apple and so incredibly easy to understand that I wish I never...More

Let me remind you once again that Apple Card is, after all, still just a credit card. With that having been said, the interaction I have at my fingertips with my transactions, balance, interest accrued, and payment options is uniquely Apple and so incredibly easy to understand that I wish I never had any other credit card before and will probably never apply for another credit card again. I'm glad I applied for and accepted my Apple Card offer. It is an amazing experience that I really didn't expect to have with a credit card.

Read full review

Less

Mashable

A credit card that will lock you to iPhone forever

from Mashable

Apple Card is a credit card experience unlike any other, but it'll tempt you to stick with Apple devices and services.

Read full review

Apple Card is a credit card experience unlike any other, but it'll tempt you to stick with Apple devices and services.

Read full review

Less

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

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User Reviews


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