
Apple Card
in Personal Credit Cards from Goldman Sachs Bank USA
Would you recommend Apple Card to your friends?
Community Rating | Strongly not recommended |
Purchase APR (Variable APR) | 12.49% - 23.49% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | N/A |
Annual Fee | $0 |
Number of Reviews | 5 |
Apple Card Review
If you're wondering whether Apple Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.- Generous reward rate. You will get a cashback rewards rate of up to 3%.
- Competitive APRs. Apple Card has a variable purchase APR that ranges from 12.49% up to 23.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
The Good | The Bad |
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Does Apple Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.
What are the Apple Card benefits?
It provides the following benefits:
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Apple Card?
This is a charge card and therefore doesn't have a regular APR or interest charges. You must pay your balance in full every month.What are the fees for Apple Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | $0 |
Late Payment Fee | $0 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Apple Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Apple Card?
The Apple Card customer service number is (212) 902-1000.
How do people rate the customer service and user experience of Apple Card?
Overall, Apple Card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Apple Card report your account activity to credit bureaus?
Yes, Apple Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Apple Card
- Visit the Apple Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
200 West Street
39th Floor
New York, NY - (212) 902-1000
- Visit Site
Other Services by Goldman Sachs Bank USA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
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- South Carolina
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- Texas
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- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Every Purchase (Points) | Get 3% Daily Cash back on everything you buy from Apple. You also get 3% Daily Cash* back on purchases you make at select merchants . Get 2% Daily Cash back anytime you buy something using Apple Card with Apple Pay. If you find a store, a website, or an app that doesn’t take Apple Pay yet, you’ll still get 1% Daily Cash back when you use Apple Card. |
Apple Card Community Reviews
Would you recommend Apple Card to your friends?
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