Apple Federal Credit Union Visa® Signature Rewards Review

Apple Federal Credit Union Visa® Signature Rewards is a rewards credit card issued by Apple Federal Credit Union. If you're wondering whether Apple Federal Credit Union Visa® Signature Rewards is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Apple Federal Credit Union Visa® Signature Rewards has a variable purchase APR that ranges from 9.49% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.

The Good

The Bad

Lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Travel accident and travel assistance insurance. Trip cancellation insurance. Cardholders can earn rewards on purchases everywhere Apple Federal Credit Union Visa® Signature Rewards is accepted. Apple Federal Credit Union Visa® Signature Rewards reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 1%.

Is there a Apple Federal Credit Union Visa® Signature Rewards cash back or rewards program?

Apple Federal Credit Union Visa® Signature Rewards offers a rewards program to its customers.

Apple Federal Credit Union Visa® Signature Rewards Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Apple Federal Credit Union Visa® Signature Rewards benefits?

Apple Federal Credit Union Visa® Signature Rewards provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Apple Federal Credit Union Visa® Signature Rewards?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Apple Federal Credit Union Visa® Signature Rewards has lower than average purchase APRs.

Apple Federal Credit Union Visa® Signature Rewards has a variable purchase APR that ranges from 9.49% up to 18%. The card has a variable balance transfer APR that ranges from 9.49% up to 18%. It also has a variable cash advance APR that ranges from 9.49% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Apple Federal Credit Union Visa® Signature Rewards?

The following fees apply to Apple Federal Credit Union Visa® Signature Rewards:

Apple Federal Credit Union Visa® Signature Rewards Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	up to $25

Does Apple Federal Credit Union Visa® Signature Rewards report your account activity to credit bureaus?

Yes, Apple Federal Credit Union Visa® Signature Rewards 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 Federal Credit Union Visa® Signature Rewards

• Visit the Apple Federal Credit Union Visa® Signature Rewards 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.