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Apple Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
13.24% ‐ 24.24% (Variable)
Interest Rate: Purchases
13.24% ‐ 24.24% (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 23 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 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
The Balance
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, Dale Brauner, The Balance

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

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

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,


Interest Rates
Regular APR Interest Rate 13.24% ‐ 24.24% (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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