Apple Card
Apple Card Claimed

Apple Card

SuperMoney Net Recommendation Score -64  


This product is strongly not recommended by SuperMoney users with a score of -64, equating to 1.7 on a 5 point rating scale.


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 not recommended

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Community Rating Strongly not recommended
Purchase APR  (Variable APR) 10.99% - 21.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $0
Number of Reviews 11

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 maximum cashback rewards rate of up to 3x.
  • Competitive APRs. Apple Card has a variable 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
  • 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.
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Apple Card reports to multiple credit bureaus.
  • 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%.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

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. 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
Apple Card Fees
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 (855) 730-7283.

What is the Apple Card login page?

You can access the Apple Card login page here.

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.

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...
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.

Other Credit Cards by Goldman Sachs Bank USA



  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 28 days
Returned Payment Fee $0
Paper Statement Fee $0
Late Fee Amount $0
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
No Reward Expiration Period
No Blackout Dates
Rewards Rates
  • Every Purchase
APR Type Variable APR
Balance Computation Daily balance method (including new Transactions)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10.99% - 21.99%
Card Type
  • Cashback
  • Charge Card
Card Network Mastercard

Apple Card Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -64, equating to 1.7 on a 5 point rating scale.


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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