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
NoneFeatures & 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 a number of factors in their underwriting process, and these factors can change at any time.
| 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 |
- No annual fee
- No foreign transaction fee
- Up to 3% cash back
- No welcome bonus
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% - 5%
Annual Fee
$0
Related Stories
Editorial Note: We earn a commission from partner links on Doughroller. Commissions do not affect our authors’ or editors’ opinions or evaluations. Learn more here.