Apple Card

Apple Card

in Personal Credit Cards from Goldman Sachs


Apple Card


in Personal Credit Cards from Goldman Sachs

SuperMoney Net Recommendation Score +100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

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Community Rating Strongly recommended
Annual Fee $0
Purchase APR  (Variable APR) 13.24% - 24.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A

Apple Card Review

If you're wondering whether Apple Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Apple Card
Pros Cons
  • The Apple card does not charge late fees, over the limit fees, returned payment fee, international fees, or an annual fee.
  • There is no penalty APR.
  • When shopping where Apple Pay is not yet available, customers still receive the lower rate of 1% back as Daily Cash.
  • Apple purchases (games, in app purchases, iTunes, ect.) earn 3% back.
  • To benefit from 2% Cash Back rewards, customers will need to be able to use Apple Pay. Although acceptance is growing, this isn't available everywhere.
  • Depending on your credit score, interest on unpaid balances can reach over 20%.
  • Is there a Apple Card cash back or rewards program?

    Apple Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

    Apple Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $0

    What are the Apple Card benefits?

    Apple Card provides the following benefits:

    • Fraud Liability
    • Reports to major credit bureaus

    What are the relevant APRs for Apple Card?

    Apple Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

    What are the Apple Card fees?

    No Annual Fee. Apple Card does not charge an annual fee. No foreign transaction fee. Apple Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    The following fees apply to Apple Card:

    Apple Card Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 0%
    Returned Payment Fee $0
    Late Payment Fee $0

    Does Apple Card report your account activity to credit bureaus?

    Apple Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    How to apply for Apple Card

    • Visit the Goldman Sachs website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.
    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


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      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Returned Payment Fee $0
    Over-Limit Fee $0
    Annual Fee $0
    Paper Statement Fee $0
    Late Fee Amount $0
    Cash Advance Fee ($) $0
    Cash Advance Fee (%) 0%
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Minimum Age 18
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Customer Type Personal
    Fraud Liability  
    Credit Card Benefits
    • Fraud Liability
    Rewards Categories
    • Every Purchase
    Every Purchase Get 3% back on everything you buy from Apple, whether you buy it at an Apple Store,, the App Store, or iTunes. That includes games, in?app purchases, and services like your Apple Music subscription and iCloud storage plan. Get 2% back every time you buy something using Apple Pay. That’s in every category, with no limits. Imagine all the things you use a credit card for every day — at Target, Walgreens, Lyft. You’ll get 2% back on just about everything.
    Purchase APR (Variable APR) 13.24% - 24.24%
    Penalty APR 0%

    Apple Card Community Reviews


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