Am I eligible?
To get this card, you must also:
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...
- Holly Johnson, NextAdvisorThe 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...
- Jordan Blansit, SimpleMoneyLyfeThe 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...
- Robin Ratcliff, CreditCards.comWhile 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.
- Kevin Payne, FinanceBuzzThe 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...
- Brian Martucci, Money CrashersIf 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...
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 |
|
| 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 |
|
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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