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Apple Card review

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Advertiser Disclosure

Interest Rate: Purchases
10.99% ‐ 21.99% (Variable)
Balance Transfer
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 20 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Apple Card is typically available to those with minimum_credit_score.30 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 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

If you are the type of consumer who plans to make the majority of your daily purchases through a digital wallet like Apple Pay, you could expect to receive at least 2% cash back on many of your purchases with this card. However, it is worth noting that there are other cards on the market, such as th...

- Nick Cole, Clark

This card is best for someone who spends more than average on Apple purchases. For example, if you run a small business and you make frequent Apple computer and phone purchases, this card may have a special appeal to you because of the 3% rewards rate. If you don’t spend a considerable amount of mon...

- J.R. Duren, HighYa
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


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 No
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
  • 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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