Apple Card

Apple Card

in Personal Credit Cards from Goldman Sachs Bank USA


Apple Card


in Personal Credit Cards from Goldman Sachs Bank USA

Net Recommendation Score -33% 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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2 users don't recommend
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Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $0
Purchase APR  (Variable APR) 12.49% - 23.49%
Rewards Rates Every Purchase

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 and Cons:

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.
  • Lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • 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 offer rewards or cash back.
  • Does not include many credit card rewards.

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:

  • Zero fraud liability
  • 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
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: 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...


  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.
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
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Cashback
  • Charge Card
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
No Blackout Dates  
Rewards Rates Every Purchase
Rewards Type Cash Back
Balance Computation Daily balance method (including new Transactions)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 12.49% - 23.49%

Apple Card Community Reviews


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