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Apple Card
Apple Card
Info about Apple Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards308Reviews57Q&AContactRewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Every time customers use Apple Card with Apple Pay, they will receive 2% Daily Cash.
Customers will also get 3% Daily Cash on all purchases made directly with Apple, including at Apple Stores, on the App Store and for Apple services. You also get 3% cash back on purchases you make at select merchants like Exxon, T-Mobile, Nike, Uber and more.
Apple has also designed a titanium Apple Card for shopping at locations where Apple Pay is not accepted yet. For purchases made with the titanium Apple Card, customers will get 1% Daily Cash.
APR on Purchases
0% intro APR for 6 - 24 months, 11.24% - 22.24% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
April 29th, 2022
Apple Card Pros & Cons
No membership fees
0% intro APR on purchases
High rewards rate
No foreign fee
No rewards bonus
No balance transfers allowed
Requires good/excellent credit
Apple Card's Additional Info
| cash advance fee | $0 |
| cash advance APR | N/A |
| foreign transaction fee | 0% |
| smart chip | Yes |
| max late fee | $0 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 28 days |
Apple Card gives customers easy-to-understand, real-time views of their latest transactions and balance right in Wallet, and Apple Card support is available 24/7 by simply sending a text from Messages.
Equal Monthly Payment Financing: 0% APR for 6, 12 or 24 months on qualifying purchases.
Questions & Answers
Don't see what you're looking for? Submit your question about Apple Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How do I set up Apple Card automatic payments?
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Chip Lupo
Cardholders can set up Apple Card automatic payments the Apple mobile app. Calling customer service at 1-877-255-5923 also is an option. Once you're enrolled, Apple will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Apple Card Automatic Payments:
- ... show more
Does Apple Card offer an extended warranty?
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Maria Adams
No. Apple Card does not offer extended warranty protection. Apple Card does have other benefits, though, including a ShopRunner membership, Mastercard ID theft protection, and zero fraud liability.
If you're set on finding a card with good extended warranty coverage, consider checking out the Costco Anywhere Visa® Card by... show more
Does Apple Card offer price protection?
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UpvotesReply
Chip Lupo
The Apple Card does not offer price protection. The Apple Card's lack of a price protection benefit is not uncommon these days, as more and more credit cards have dropped this perk. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the... show more
Does the Apple Card have a grace period?
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UpvotesReply
Chip Lupo
Yes, the Apple Card has a grace period of at least 28 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Apple Card statement balance in full every month, Marcus by Goldman Sachs will not charge any interest.
Keep in mind... show more
How can I log in to Apple Card account online?
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UpvotesReply
Chip Lupo
To log in to your Apple Card account, go to the login page on the Marcus by Goldman Sachs website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don't already have an account,... show more
What is the Apple Credit Card authorized user bonus?
0
UpvotesReply
Chip Lupo
The Apple Card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Apple Card is not among the cards offering it.
Adding an authorized user to your Apple Card still... show more
Is Apple Card metal?
0
UpvotesReply
Chip Lupo
Yes, the Apple Card is a metal credit card. The Apple Card is made of titanium and weighs around 15 grams, compared to 5 grams for a traditional credit card made of plastic. Functionally, the metal Apple Card doesn't work any differently than a plastic credit card, though it will... show more
Does Apple Card offer rental car insurance?
0
UpvotesReply
Chip Lupo
The Apple Card does not offer a rental car insurance benefit. Even though the Apple Card doesn't have rental car insurance, this perk is one of the handful of credit card benefits that still come with many credit card offers. If you'd like a credit card with rental car insurance,... show more
What are the Apple Card categories for rewards?
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UpvotesReply
Chip Lupo
The Apple Card categories for bonus rewards are Apple, Exxon, T-Mobile, Nike, and Uber purchases, among others. Purchases that fall into the Apple Card bonus categories get cardholders extra rewards compared to the card's base earning rate.
When choosing a rewards credit card, it's a good idea to pick... show more
Compare The Apple Card
Purchase Intro APR0% for 6 - 24 months
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Regular APR11.24% - 22.24% (V)
Regular APRSee Pay Over Time APR
Regular APR12.24% - 23.24% Variable
Rewards Rate1 - 3% Cash Back
Rewards Rate1 - 4 points / $1
Rewards Rate1 - 5% Cash Back
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Apple Card Reviews
Share your insights and review the Apple Card
3.1
308 reviews
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5 Star Rating
I was able to apply online without incurring any hit on my credit report; they gave me immediate approval with a reasonable interest rate in case I need to carry a balance and for users of an iPhone your continuous info about your balance, payments, etc., is always right there in your iPhone’s ‘Wallet’. So far I’m really happy with this cc!
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1 Star Rating
Denied for this credit card. I don't like Goldman Sachs. Apparently, you have to be filthy rich with a perfect credit score to get this card.
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5 Star Rating
Awesome customer service . A wonderful credit card company. Yes! Do it. The Apple Card offers so many great benefits. Tell your friends, I have!
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1 Star Rating
DON’T GET IT!!!
I’d give 0 stars if possible. I’ve had issues since my very first order. Within 2 days of getting it, I spent over 10 hours on the phone trying to get things figured out. And now I’m on the phone with Goldman Sachs (who owns the Apple Card) and now a GS supervisor and they can’t figure out what’s going on and won’t help. They say it’s an Apple issue (even though I was sent to GS from Apple because they said it was a GS issue!!!. AND GS won’t talk with Apple and figure this out together.) I had read about folks having issues but thought more folks who were dissatisfied would review vs those who happy with it so went ahead. I’d get it as I needed new apple products. That 3% back or the financing IS NOT WORTH IT!!!!!
DON’T GET IT!!!!
I’d give 0 stars if possible. I’ve had issues since my very first order. Within 2 days of getting it, I spent over 10 hours on the phone trying to get things figured out. And now I’m on the phone with Goldman Sachs (who owns the Apple Card) and now a GS supervisor and they can’t figure out what’s going on and won’t help. They say it’s an Apple issue (even though I was sent to GS from Apple because they said it was a GS issue!!!. AND GS won’t talk with Apple and figure this out together.) I had read about folks having issues but thought more folks who were dissatisfied would review vs those who happy with it so went ahead. I’d get it as I needed new apple products. That 3% back or the financing IS NOT WORTH IT!!!!!
DON’T GET IT!!!!
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5 Star Rating
Great for apple purchases and there are no finance charges. Would highly recommend to anyone looking to stay current with technology.
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2 Star Rating
I was initially happy with my Apple Card until I found discrepancies in transaction history. Basically recorded transactions in Wallet app and transactions in the online statements were out of sync. Calling customer service several times to resolve this was pointless. Eventually, I spoke with a manager who assured me that my account will be audited to see if there are any issues. She also told me not to trust the Wallet app and go with online statements instead. Really? Your apple credit app cannot be trusted? What's up with that? Very disappointed. We'll see what happens with the account audit.
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5 Star Rating
Love the feel of the titanium card. Love the cash back rewards. And the 0% interest on apple products. Best card I ever applied for.
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1 Star Rating
Crooks. I’ve had a pending charge for $700.00 on my card for a purchase that DID NOT go through. Apple Pay , Apple , Goldman Sachs all refuse to help. More or less they just say too bad. One representative told me it doesn’t matter it isn’t my money anyway.
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5 Star Rating
I enjoy using this card especially for my Apple purchases. You get. Higher percentage back! Easy to use and easy to pay. Can also use to send money.
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5 Star Rating
I love my Apple card. I was approved for a $1,500 credit line in June of 2020 with a 690 Transunion FICO 9 score. Just today I received a credit increase from $1,500 to $4,000! I have never carried a balance and usually pay 2-3 times a month on pay day. So far I've been extremely pleased and I love that I get the cash back within a day or two instead of waiting for my credit card statement.
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Offer last updated: Apr 29th, 2022 at 07:55 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
See Pay Over Time APR
ANNUAL FEE
$250
REWARDS RATE
1 - 4 points / $1
REWARDS BONUS OFFER
60,000 points
MINIMUM CREDIT