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Apple Card review

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Advertiser Disclosure

Interest Rate: Purchases
10.99% ‐ 21.99% (Variable)
Balance Transfer
-
Rewards
1 - 3% 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 22 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...


NextAdvisor

The Apple Credit Card can make sense for Apple enthusiasts who already use Apple Pay to make purchases whenever possible. After all, you get to earn 3% back on Apple purchases and 2% back when you buy with Apple Pay.  If you don’t use your iPhone’s mobile wallet and don’t buy all your tech from Appl...

- Holly Johnson, NextAdvisor
SimpleMoneyLyfe

The Apple Card is optimized to reward Apple loyalists while minimizing rewards for outside spending. As such, its earnings structure isn’t competitive in a saturated market unless you’re a mobile-first consumer. That said, its rewards program makes it an excellent addition to your wallet if you inte...

- Jordan Blansit, SimpleMoneyLyfe
CreditCards.com

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

- Robin Ratcliff, CreditCards.com
FinanceBuzz

The Apple Card is really built for people who use Apple products exclusively. If you use your iPhone for everything, the Apple Card might make a lot of sense. Though not all of its features are ground-breaking, it consolidates several nice-to-have perks on your phone. One of the biggest draws is the...

- Kevin Payne, FinanceBuzz
Money Crashers

If you’re an Apple loyalist and can easily limit your spending mostly to retailers 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

Details


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
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 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 Yes
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
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
  • Get $50 back when when you spend at least $50 with Apple Pay at Panera Bread
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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