Card Details

Regular APR:	12.74% – 23.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on goods or services purchased directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties and App Store purchases (including In-App Purchases). 2% cash back on Apple Pay Purchase Transactions 1% cash back on all other Purchase Transactions
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Apple Card lives on your iPhone, in the Wallet app.
See a charge you don’t recognize – Tap to pinpoint it on a map
When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash.
We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees.
When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose.
All the advanced security technologies of Apple Pay – Face ID, Touch ID, unique transaction codes – are built right in. And the physical card has no numbers
MasterCard is our global payment network, so you can use it all over the world. And for apps and websites that don’t take Apple Pay yet, there’s a virtual card number in the Wallet app that autofills for you when you’re using Safari

Is Apple Card worth it?

Apple Card is a strong card for Apple users who make purchases from Apple regularly, including purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties and App Store purchases (including In-App Purchases). Cardholders who have high spend at retail stores that accept Apple Pay are also in a good position to adopt the card because of the 2% cash back on all Apple Pay purchases.

Pros

3% cash back on Apple purchases
2% cash back on all purchases using Apple Pay
No foreign transaction fee
No annual fee

Cons

Physical version of the card gets 1% cash back – and a lot of retailers only accept the physical version
No balance transfers allowed and no intro APR for financing purchases

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	No Cash Advances Allowed
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Apple Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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