Rewards
3% cash back
3% cash back on goods or services when you use your Apple Card with Apple Pay on purchases directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties. App Store purchases (including In-App Purchases ).
3% cash back
3% cash back on select merchants when you use your Apple Card with Apple Pay: Ace Hardware, Duane Reed, Exxon, Mobil, Nike, T-Mobile, Panera Bread, Uber, Uber Eats, Walgreens
2% cash back
2% cash back on purchases when you use your Apple Card with Apple Pay.
1% cash back
1% cash back on purchases made with the Apple Card.
Pros & Cons
Pros
- No annual fee
- No foreign transaction fee
- Up to 3% cash back
Cons
- No welcome bonus
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 |
Interest Rates & Fees
| Annual Fee | No annual fee |
| Foreign Transaction Fee | None |
| Regular APR | 13.24% to 24.24% (V) APR |
What Credit Score Is Required to Get the Apple Card
Based on data we’ve collected from public forums, a credit score of 690 or higher is ideal. We have seen an approval with a score as low as 634, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/22/2022 | TransUnion | ||
| Approved | 06/17/2022 | Not Provided | ||
| Approved | 03/10/2022 | TransUnion | ||
| Approved | 04/10/2022 | TransUnion | ||
| Approved | 03/19/2021 | Not Provided | ||
| Denied | 10/15/2020 | TransUnion | ||
| Denied | 10/03/2020 | TransUnion | ||
| Denied | 08/08/2019 | TransUnion |
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Chase Freedom Flex(SM)
Rating
4.7
Rewards Range
1-5%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5-6.5%
Annual Fee
$0