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Apple Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 29.49% (Variable)
Interest Rate: Purchases
19.24% ‐ 29.49% (Variable)
Balance Transfer
Balance Transfer
1 - 3% cashback
1 - 3% cashback
Signup Bonus
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 29 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...


It's not a game-changer, but the card does offer some intriguing features, including the ability to finance expensive Apple products with an interest-free payment plan.

- Sara Rathner, NerdWallet
The Motley Fool
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
Credit Karma
Credit Karma

The Apple Card might be worth it for loyal iPhone and Apple customers who want an easy way to earn rewards — especially on purchases made at Apple and select partners like Walgreens, Uber and Mobile. But keep in mind that there are plenty of store credit cards that offer more than the Apple Card’s 3...

- Tim Devaney, Credit Karma

The Apple Card is a good option if you are a frequent Apple customer and use Apple Pay. The card gives great rewards with Apple and select other merchants, and it has a $0 annual fee as well as interest-free financing on qualifying Apple purchases.

- John S Kiernan, WalletHub

The Apple Card is a good deal for purchases from Apple and using Apple Pay. Cardholders earn 3% back on purchases from Apple, 2% back when using Apple Pay anywhere it’s accepted, and 1% everywhere else. The card has no fees or costs aside from interest charges if you carry a balance. It’s a good opt...

- Eric Rosenberg, Time


Interest Rates
Regular APR Interest Rate 19.24% ‐ 29.49% (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, Ace Hardware, 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
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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