Barclaycard Visa with Apple Rewards

Barclaycard Visa with Apple Rewards Review

Barclaycard Visa with Apple Rewards is no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs.

This is a rewards card issued by Barclays Bank. If you're wondering whether Barclay Apple card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Barclaycard Visa with Apple Rewards has a variable purchase APR that ranges from 13.99% up to 26.99%.
• 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.
• 3% Balance transfer fee. Barclaycard Visa with Apple Rewards charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Barclay Apple card

The Good

The Bad

Deferred financing option. Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty on purchases. Free access to your credit score. Identity Theft Protection. Travel assistance insurance Cardholders can earn rewards on purchases everywhere Barclaycard Visa with Apple Rewards is accepted. Barclaycard Visa with Apple Rewards reports to multiple credit bureaus.

Rewards can only be redeemed for Apple products, on the App store, or as iTunes gift cards. There are Apple discounts associated with having this card. No 0% introductory APR to compliment the deferred financing option. You need good credit to qualify. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee

Barclay Apple card FAQ

Does Barclay Apple card have a cash back or rewards program?

Barclay Apple card is a rewards card.

Barclay Apple card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Barclay Apple card benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Barclay Apple card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Barclaycard Visa with Apple Rewards has a variable purchase APR that ranges from 13.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 26.99%. It also has a variable cash advance APR of 27.24% .

What are the fees for Barclay Apple card?

The following fees apply:

Barclaycard Visa with Apple Rewards Fees

Description
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	Up to 5%
Minimum Cash Advance Fee ($)	Starting at $10
Foreign Currency Transaction Fee	3%
No Annual Fee?
Annual Fee	$0
Minimum Interest Charge	$0.50
No Interest Grace Period for Late Payment	23 days
Returned Payment Fee	Up to $39
Late Fee Amount	Up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Barclaycard Visa with Apple Rewards report your account activity to credit bureaus?

Yes, Barclaycard Visa with Apple Rewards reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion
• Innovis

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 Barclay Apple card

• Visit the Barclay 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.