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.
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
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
Interest Rates & Fees
No annual fee
Foreign Transaction Fee
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.