Last Updated: 05/14/2026
SuperMoney User Recommendation Score -75
Strongly not recommended16 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
10.99% - 21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
N/A
Annual Fee
$0
Number of Reviews
Apple Card Review
If you're wondering whether Apple Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APRs: Apple Card has a variable regular purchase APR that ranges from 10.99% up to 21.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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.
Pros & Cons of Apple Card
| The Good | The Bad |
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Apple Card FAQ
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.
| Description |
- 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance 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.
There is a late fee of up to $0 . 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 customer service number for Apple Card is (855) 730-7283.
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 to the following credit bureaus:
- 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 build your credit.
Does Goldman Sachs Bank USA perform a hard credit pull?
Yes, Apple Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Apple Card
- Visit the website of Apple Card.
- 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.
SuperMoney Disclosure: SuperMoney.com 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Other Credit Cards from Goldman Sachs Bank USA
Purchase APR
20.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
660 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
660 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -75, or 1.5 on a 5-point rating scale.
-75
-1000+100
No one recommends
Everyone recommends
Apple Card Community Reviews
Would you recommend Apple Card to your friends?
JC
Jade C.
Oct 26, 2023
May or may not recommend
The Apple Card is not the best nor easiest card on the market. If you are about to make a big Apple purchase--MacBook, iPad, etc.--then it may be beneficial to open this card strictly for that purchase, as you may get additional savings (cash-back applied directly to the purchase total, interest-free payments for X amount of months). However, for any purchases outside of that, this card is not worth it. ...Show More
JD
Jay D.
Sep 29, 2023
May or may not recommend
This card sucks. When you make a payment they keep harassing you about another payment or you will be charge Interest. They don’t give you limit increase on your card. I am getting furloughed and I paid them $200 yet they keep sending me message state that I will need to make a payment or else interest will occurs. Well it always does the customer services sucks. Going to report ...Show More
Dale A.
Jul 31, 2023
May or may not recommend
They have little or no customer service or knowledge.
Probably good for minor transactions but forget business use.
DS
Doug S.
Jul 26, 2023
May or may not recommend
I accidentally overpaid the amount due on my Apple Card in June 2023 by $633.00. That amount was not due until July 2023 (25%); August 2023 (25%; September 2023 (25%); and, October 2023. On four separate occasions, on July 3 by phone, on July 5 by phone, on July 7 by snail mail and on July 21 by phone, I requested an immediate refund of the overpayment. ...Show More
KB
Kim B.
May 16, 2023
May or may not recommend
It is very misleading at the Apple Store when you purchase on installments. Instead of me being able to pay directly to apple for my products for business, it automatically charges the payments to my Apple Card… anything on your Apple Card for other purchases continues to accumulate interest. Then you are not able to pay your installment loan off early until you pay off the purchases on ...Show More
GA
Grace A.
Mar 14, 2023
May or may not recommend
Goldman’s Customer Service is useless. I corresponded with them earlier today and after all was said and done, they would rather lose a customer over $0.69 (yes sixty-nine CENTS). At first, the rep told me I’d be transferred to a “specialist” to see if an exception could be made since I said I would end up closing my account. The “specialist” then asks what the issue was. Didn’t the first ...Show More
U
Anonymous
Mar 3, 2023
May or may not recommend
Has systems limitations it refuses to address and instead puts them on client.
Will not even review a complaint for two weeks or more.
Customer service will tell you one thing and weeks later you will find that they do not investigate any issues and will lie about it not causing issues to your account.
George R.
Jan 26, 2023
May or may not recommend
I like the card, accessing rewards and reward structure. Don't like not being able to access multiple features on the Website -- especially ability to downloas a year-end summary of transactions for tax purposes or to search transactions. Apple has to do everything differently! Not a 100% real credit card.
LM
Lisa M.
Jan 7, 2023
May or may not recommend
They can’t post a payment faster than 11 business days. Payment made on 12/30/22. They also took it from my account. They are telling me it will post on 1/11/23. 8 business days even though the money has been in their possession since 1/3/23. Don’t bother with this card. Not a lot of benefits and seem like amateurs in the credit card industry. Customer service is telling me if I ...Show More
Dan E.
Aug 26, 2022
May or may not recommend
Goldman Sachs support is a nightmare. My account access has been locked after I mistakenly disputed a charge, and now I'm unable to unlock it as I'm currently living in Europe with no access to the phone number associated with the account. Have called multiple times and am told I will be contacted, still waiting after a week. Speaking to a Apple Card supervisor but she has ...Show More
PM
Paul M.
Mar 25, 2022
May or may not recommend
What a mess. I've only had the Apple Card a few weeks, and I already HATE it. The wallet app said an $8 payment I made to the card (my second payment since getting the card) from my checking account was declined by my bank. It was not. My bank saw no $8 payment declined (or even processed - there was no record of it at all). A Goldman account ...Show More
AH
Adelaide H.
Jan 31, 2022
May or may not recommend
Probably only worth it for the financing options for apple products. 12 months no interest is helpful when you're a student needing a new laptop! You can also make payments and view transactions etc. in your iPhone wallet and cashback goes to your apple cash. However, It's not as easy to manage via desktop
MJ
Maria J.
Sep 5, 2020
May or may not recommend
For starters, the interest is KIND OF INSANE. Aside from that, Apple support is WONDERFUL. I love the quick text option that connects you instantly with a specialist and they have been offering great deferments due to COVID-19. The card is apart of Apple Pay but can also be ordered as a regular credit card which can be useful! The biggest concern I have had and why I would NOT ...Show More
SM
Susan M.
Jun 18, 2020
May or may not recommend
They would not approve me to use my gift card I bought from amazon sent my e-mail.
Susan R McCord
MY
Michael Y.
Nov 30, 2019
May or may not recommend
Got this for the benefits, my new iPhone and I retired to Thailand, nobody accepts the card here. Auto pay didn't work and for the first time in my life at 66 yrs old I had a late payment, paid the card off, once I finally received an email and had to pay for the talk to representative.. I am overseas..... Then told them, OK this is paid off...YES it ...Show More
Miron L.
Apr 27, 2019
May or may not recommend
I will probably get this card for the cash back rewards on Apple products / services as I am an Apple user. The general terms of this card aren't mind blowing though so it won't be my primary card.
Showing 16 of 16 reviews
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