Apple Card
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The Apple Card is designed for people who either can’t get enough of Apple products or who use Apple Pay for everyday purchases. You can start using the card via Apple Pay before you get a physical card and you can earn 3% cash back on all Apple purchases. However, you don’t get a sweet welcome bonus, and the card is a little skimpy on rewards. We dive into the details and your approval odds in this Apple Card review.
Our Rating
4.3/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
N/A
Reward Rate
1% to 3% cash back
0% Intro on Balance Transfers
N/A
Editorial Review
How Does the Apple Card Compare?
The Apple card offers decent rewards for those who must have the latest Apple product, and it offers pretty good rewards if you use Apple Pay. If you use the physical card, you’ll earn 1% cash back on purchases, and there are many other cards that offer higher rewards. You can share your Apple Card account with up to five people, which may be helpful if you have teenagers and others who need to build credit.
Who is the Apple Card best for?
It will come as no surprise that the Apple Card is best for those who live and breathe Apple. If you want to use something other than Apple Pay, you’ll want to consider a different card.
Who would do better with a different card?
If you want a welcome bonus, the Blue Cash Preferred® Card from American Express has an intro offer. You’ll also earn up to 6% cash back on purchases and you aren’t limited to using Apple Pay.
For a more straightforward cash back structure, Citi® Double Cash Card offers 1% cash back when you make a purchase and 1% cash back when you pay the bill, and you don’t have to use Apple Pay to get these rewards.
The Chase Freedom Flex® card has rotating categories and offers up to 5% cash back on said categories. They won’t offer 5% cash back on Apple, but they do offer it on Amazon purchases periodically. So, if you bought your Apple products through Amazon during this time frame, you’d come out ahead.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers |
| Contactless Payments | Apple Pay |
| Benefits | 24/7 customer service |
| Travel Perks |
Rewards
Interest Rates & Fees
| Annual Fee | No annual fee |
| Foreign Transaction Fee | None |
| Regular APR | 19.24% to 29.49% (V) APR |
What Credit Score Is Required to Get the Apple Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 623
Average Approved Credit Score: 707
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/30/2023 | Experian | ||
| Approved | 04/25/2023 | Not Provided | ||
| Approved | 01/02/2023 | TransUnion | ||
| Approved | 01/02/2023 | Experian | ||
| Approved | 01/02/2023 | Equifax | ||
| Approved | 03/14/2023 | TransUnion | ||
| Approved | 01/03/2023 | Experian | ||
| Approved | 03/04/2024 | TransUnion | ||
| Approved | 03/04/2024 | Experian | ||
| Approved | 02/27/2023 | TransUnion | ||
| Approved | 08/05/2023 | Equifax | ||
| Approved | 08/05/2023 | Experian | ||
| Approved | 08/05/2023 | TransUnion | ||
| Denied | 04/05/2023 | Experian | ||
| Denied | 11/29/2023 | TransUnion |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Up to 3% cash back
- No welcome bonus
What Are the Best Alternatives?
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Chase Freedom Flex®
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0