Apple Card
in Personal Credit Cards from Goldman Sachs Bank USA
Cast your vote
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 is everything you need to know to make a good choice.
Key Takeaways
- Generous reward rate. You will get a cashback rewards rate of up to 3%.
- Earn 3% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
- 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
Apple Card Pros & Cons
| The Good | The Bad |
|---|---|
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Apple Card FAQ
Is there a Apple Card cash back or rewards program?
No, Apple Card does not offer a rewards program. Apple Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Apple Card you receive 1% cash back on every 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?
Apple Card provides the following benefits:
- No blackout dates when redeeming miles
- 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 fees for Apple Card?
The following fees apply to Apple Card:
- 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 |
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.
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.
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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
- Headquarters
-
200 West Street
39th Floor
New York, NY - (212) 902-1000
- Visit Site
Other Services by Goldman Sachs Bank USA
Availability
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
| 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
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