Apple Card
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 15.74% to 26.74% variable based on creditworthiness and the Prime Rate
At a glance
You don’t need to need to be a die-hard fan to fall in love with the intelligently designed Apple Card. Designed for digital use in conjunction with Apple Pay (spoiler: an iPhone is required), this card boasts no annual fee – or any fees for that matter – up to 3% cash back for Apple and other popular retailers, automatic cash back rewards, a gorgeous interface for monitoring your spending, and innovative security features to make credit card theft a worry of the past.
Our review of the Apple Card
Apple Credit Card Review: The Ultimate Guide
The Apple Card, launched in August 2019 in partnership with Goldman Sachs, is redefining what it means to have a credit card. With its unique approach to cash back rewards and user-friendly features, it’s no wonder why this card has been making waves in the credit card industry.
What Makes the Apple Card Stand Out?
- Instant cash back with ‘Daily Cash’ rewards
- 3% cash back at Apple and select retailers
- 2% cash back with Apple Pay
- 1% cash back on all other purchases
While the Apple Card may not be as revolutionary as some may claim, its minimalist design and lack of annual fees make it an attractive option for many. Plus, it’s surprisingly accessible, with reports of approval for applicants with fair credit scores.
Not Just for Apple Enthusiasts
You don’t have to be a die-hard Apple fan to benefit from the Apple Card. Simply owning an iPhone is enough to take advantage of its mobile-based features. Whether you’re a digital wallet pro or a newbie, the Apple Card’s easy-to-use interface makes it a breeze to manage your finances.
How to Earn Cash Back with Apple Card Bonus Categories
Apple’s cash back structure is simple yet rewarding. You can earn 3% cash back on Apple products and select retailers, 2% with Apple Pay, and 1% on all other purchases. With a focus on digital wallet transactions, the Apple Card is perfect for those who prefer the convenience of mobile payments.
Redeeming Your Daily Cash Rewards
One of the standout features of the Apple Card is its quick and easy reward redemption process. Your cash back earnings are tallied daily and can be used immediately for statement credits or deposited into your Apple Cash Card. With no minimum redemption requirements, the Apple Card makes it easy to put your rewards to good use.
No Fees, No Worries
The Apple Card boasts a fee-free experience, with no annual fees, late payment fees, or foreign transaction fees. While the lack of balance transfer options may be a drawback for some, the Apple Card’s focus on simplicity and transparency sets it apart from other credit cards.
Is the Apple Card Right for You?
If you’re looking for a straightforward cash back card with a sleek design and user-friendly features, the Apple Card may be the perfect fit for you. Whether you’re a loyal Apple user or simply in need of a reliable credit card, the Apple Card offers a unique blend of rewards and convenience that sets it apart from the competition.
Final Thoughts
The Apple Card may not be the perfect card for everyone, but its innovative approach to cash back rewards and commitment to simplicity make it a standout option in the credit card market. If you’re looking for a card that rewards your everyday spending and fits seamlessly into your digital lifestyle, the Apple Card is worth considering. Apply today and experience the future of credit cards with Apple.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn cash back with every purchase
- No hidden fees
- Get a detailed breakdown of your spending from your iPhone
Who this card may suit
- You own an iPhone (or are planning to buy one)
- You're loyal to the Apple ecosystem
- You frequently use your mobile device for making purchases (a.k.a. your digital wallet)
- You do't want to worry about carrying your wallet everywhere you go to make purchases
- You do't want the hassle of deciding how to redeem rewards
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 15.74% to 26.74% variable based on creditworthiness and the Prime Rate |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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Apple Card
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