Apple Card - Review

Apple Card

Apple Card completely rethinks everything about the credit card.

It represents all the things Apple stands for. Like simplicity, transparency, and privacy.

It builds on the incredible ease and security that millions of people love about Apple Pay.

And it’s the first card that actually encourages you to pay less interest.

Whether you buy things with Apple Pay or with the laser‑etched titanium card, Apple Card can do things no other credit card can do.

Keep reading for more...

Apple Card lives on your iPhone, in the Wallet app. And that makes all kinds of new things possible.

You can sign up in no time and start using it right away with Apple Pay.

For every purchase you make, you get Daily Cash. And it really is cash.

So you can spend it however you want, right from your iPhone. Have a question? Just text. It’s that simple.

No fees. Not even hidden ones.

Apple wants to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees.

No annual, over-the-limit, or late fees.

No fees. Really. And the goal with Apple Card is to provide interest rates that are among the lowest in the industry.

The first credit card that actually encourages you to pay less interest.

Most credit card statements emphasize your minimum amount due. And if you pay just that, it costs you a lot in interest over time. Apple Card is different.

When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does it in real time, so you can make an informed decision about how much of your balance to pay down.

A card that’s materially different.

When you buy things with the Apple‑designed titanium card, you get the same benefits. Including Daily Cash on everything you buy. Mastercard is our global payment network, so you can use it all over the world. And for apps and websites that don’t take Apple Pay yet, there’s a virtual card number in the Wallet app that autofills for you when you’re using Safari.

Every credit card needs an issuing bank. To create Apple Card, they needed a partner that was up for the challenge of doing something bold and innovative. So they chose Goldman Sachs. This is the first consumer credit card they’ve issued, so they were open to doing things in a whole new way.

Daily Cash. No points. No gimmicks.

The $0-annual-fee Apple Card earns 3% cash back on Apple purchases, as well as at select merchants and through select apps, and 2% back on everything else — but only if you make your purchases via Apple Pay on your iPhone. If you use the physical version of the card, which is an option at retailers that don’t accept Apple Pay, you’ll earn only 1% cash back.


  • You love Apple and need everything Apple

  • You want your rewards card to be simple

  • You want to avoid late fees


  • There is no introductory APR

  • You can't add an authorized user

  • No sign up bonus

Overall it is a good credit card. You can apply directly from your iPhone and receive access to the card right away through Apple Pay. Just remember even though it is from Apple, it is still a credit card, so make your payments and try to avoid acquiring any unnecessary debt.

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