Apple Card

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% on Purchases

Reward Rate
1% to 3% cash back

0% on Balance Transfers

Welcome Offer

None

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers
Contactless PaymentsApple Pay
Benefits24/7 customer service
Travel Perks

Rewards

1% cash back
On all other eligible purchases
1% cash back on purchases made with the Apple Card.
2% cash back
All eligible purchases
2% cash back on purchases when you use your Apple Card with Apple Pay.
3% cash back
Select Categories
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
Select Categories
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

Interest Rates & Fees

Annual FeeNo annual fee
Foreign Transaction FeeNone
Regular APR19.24% 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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved04/22/2022
726
TransUnion
$6,000
Approved06/17/2022
735
Not Provided
$10,000
Approved03/10/2022
732
TransUnion
$6,000
Approved04/10/2022
634
TransUnion
$1,800
Approved03/19/2021
740
Not Provided
$1,500
Denied10/15/2020
676
TransUnion
---
Denied10/03/2020
708
TransUnion
---
Denied08/08/2019
680
TransUnion
---
Pros
  • No annual fee
  • No foreign transaction fee
  • Up to 3% cash back
Cons
  • No welcome bonus

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

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