Credit Cards

Apple Card review

The all-new Apple Card has arrived, and this is everything you need to know about it. From the basics of using it, to the different features and benefits, read this review for a comprehensive guide.


Apple Card: Get unlimited 2% cash back every day by using Apple Pay!

apple card
Learn how the Apple Card works. Source: The Post New.

If you’re an Apple user, you should definitely check out this Apple Card review. The biggest tech company in the world now offers a credit card specifically for their digital wallet.

apple card

How to get your Apple Card

The Apple Card application process is simple and you can do it from your phone in just a few minutes without impacting your score. Learn how!

You can also get a physical card, but the biggest rewards are reserved for Apple Pay. One of the best features is that there are no fees for the card.

That means you don’t have to pay to own it, and you can use it anywhere in the world without worrying about additional charges. Check its main features below.

  • Credit Score: You need at least a good credit score to get the Apple Card.
  • APR: Variable APR from 13.99% to 24.99% based on creditworthiness.
  • Annual Fee: There is no annual fee.
  • Fees: There are no fees to this card. 
  • Welcome bonus: There’s no current offer.
  • Rewards: Unlimited daily cash back on all purchases when using Apple Pay. 3% for Apple products and partnered merchants, 2% on everything else. Using the physical card will earn you 1% back on all purchases. 

The card is exclusive for Apple users and you have to link it to your Apple ID. There’s no current APR promo, and the variable percentage ranges from 13.99% to 24.99% based on your current credit standing.

That said, the card is a worthy companion because it doesn’t charge the usual credit card fees and offers up to 3% cash back on selected purchases.

If you’d like to learn more about this product, keep reading our Apple Card review below. 

Apple Card: how does it work?

Issued by Goldman Sachs, the Apple Card is the first consumer card the bank’s ever produced.

It has international Mastercard coverage, which means you can use it anywhere in the world that accepts Mastercard.

Applying for it is easy and you can do so via Apple Pay on your phone. The application process performs a soft inquiry, which means there’s no harm to your score.

The card also comes equipped with all sorts of security measures such as Face ID and Touch ID. 

By making purchases and paying for them with Apple Pay, you’ll get Daily Cash rewards. All earned cash back is deposited into your card daily as real money.

You’ll get 3% on Apple Products and eligible purchases at partnered merchants (such as Uber, Nike, T-Mobile and more)

The Apple Card also provides a 2% Daily Cash on all other purchases you make with Apple Pay. You can also use the physical card anywhere, but that will grant you a 1% return on all purchases. 

There are no monthly, annual, maintenance or foreign transaction fees attached to this card. However, the APR can get as high as 24.99% based on your creditworthiness.

So paying your balance in full each month is a must if you want to avoid interest.

Significant benefits and disadvantages you may find

woman using apple card
If you’re an Apple lover, you will take great advantage of this card. Source: Freepik.

Next in our Apple Card review, we’ll look over the pros and cons so you can make an informed decision. While the card has many perks, there are a couple of drawbacks you should be aware of before applying. 


  • The Apple Card has no fees;
  • The application process performs only a soft pull;
  • Get 3% cash back on Apple products and selected purchases;
  • 2% back on all other purchases;
  • International Mastercard coverage;
  • Apple Pay technology, which offers convenience and security;
  • Offers the possibility of splitting payments in interest-free monthly installments;
  • Offers money management tools built in the app.


  • Only available to Apple users;
  • The physical card offers a flat 1% cash back on purchases;
  • No welcome bonus offer available;
  • No balance transfers allowed with the Apple Card;
  • Requires good/excellent credit score.

Is a good credit score required for applicants?

Yes. To become eligible for the Apple Card, all new applicants must have a credit score between Good and Excellent.

However, you can check your approval odds regardless of your rating since the application process doesn’t perform any hard inquiries. 

Learn how to apply and get an Apple Card

If this Apple Card review got you interested in applying, we’ve got you covered. Follow the link below and we’ll walk you through the application process so you can easily get your card today!

apple card

How to get your Apple Card

The Apple Card application process is simple and you can do it from your phone in just a few minutes without impacting your score. Learn how!

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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