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  Apple Card

Apple Card

in Personal Credit Cards from Goldman Sachs Bank USA

Unaffiliated

Apple Card

Unaffiliated

in Personal Credit Cards from Goldman Sachs Bank USA

Net Recommendation Score 0% 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.

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
1 user recommends
0 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
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
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Apple Card reports to multiple credit bureaus.
  • 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.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not include many credit card rewards.
  • 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:

    • Zero 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?

    The following fees apply to Apple Card:

    • There is no overlimit fee
    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 have a 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.

    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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

    Availability

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

    Annual Fee $0
    Cash Advance Fee (%) 0%
    Foreign Currency Transaction Fee 0%
    Late Fee Amount $0
    Minimum Cash Advance Fee ($) $0
    No Annual Fee  
    No Foreign Transaction Fee  
    Over-Limit Fee $0
    Paper Statement Fee $0
    Returned Payment Fee $0
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Other
    Card Type
    • Cashback
    • Charge Card
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Rewards Categories
    • Every Purchase
    Purchase APR (Variable APR) 13.24% - 24.24%
    Penalty APR 0%

    Apple Card Community Reviews

     

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