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Apple Credit Card Review

Discover the new and best credit card option in the United States with Apple technology - The Apple Credit Card. Learn more.

Apple Credit Card
Source: Apple Credit Card

Apple Credit Card is a unique new offering from Apple, designed to provide users with a frictionless, secure and rewarding payment experience. It is a credit card that has been created specifically for use with Apple Pay, the company’s mobile payment platform, and offers a wide range of features and benefits that are sure to appeal to a broad range of users. 

One of the most innovative features of the Apple Credit Card is the ability to track and manage your spending directly from the Wallet app on your iPhone. This includes tracking your spending by category, receiving real-time notifications of purchases, and even receiving suggestions for ways to save money based on your spending patterns.

Apple Credit Card
The simplicity of Apple. In a credit card.
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Earning rewards

Earning rewards with the Apple Card is both simple and rewarding. Cardholders earn Daily Cash on every purchase, with different cash back rates based on where and how the purchase is made. When you use your Apple Card to make purchases directly with Apple, such as at Apple Stores or for App Store purchases, you earn:

  • 3% Daily Cash: Earn 3% Daily Cash back on purchases made directly with Apple, including Apple Stores, App Store, iTunes, and other Apple services.
  • 2% Daily Cash: Get 2% Daily Cash back on purchases made using Apple Pay, whether in-store, in-app, or online at participating merchants.
  • 1% Daily Cash: Earn 1% Daily Cash back on purchases made with the physical Apple Credit Card, perfect for transactions where Apple Pay is not accepted.

The rewards structure of the Apple Credit Card is straightforward and rewarding, allowing you to earn cash back on your everyday purchases while enjoying the seamless integration and benefits of Apple’s ecosystem.

Redeeming rewards

Redeeming rewards with the Apple Credit Card is simple and flexible, providing cardholders with convenient options to utilize their earned Daily Cash. Here’s how you can redeem your rewards:

  1. Instant Use for Purchases: Use your Daily Cash instantly for purchases within Apple ecosystem, including Apple Stores, App Store, iTunes, Apple Music, and more. Simply apply your earned Daily Cash towards your next Apple purchase directly through the Wallet app.
  2. Apply Towards Your Balance: Apply your Daily Cash towards paying down your Apple Credit Card balance. Reduce your outstanding balance and manage your credit responsibly by using your rewards to offset your card’s charges.
  3. Transfer to Bank Account: Transfer your accumulated Daily Cash to your linked bank account. This allows you to use your rewards for any purpose, giving you financial flexibility and control over your earnings.

To redeem your rewards, simply navigate to the Wallet app on your iPhone or iPad, locate your Apple Credit Card, and access your Daily Cash balance. From there, choose the redemption option that best suits your needs and preferences.

With the ability to instantly apply rewards towards purchases or transfer to your bank account, the Apple Credit Card offers a seamless and rewarding experience that enhances your financial management and spending habits.

Benefits of Apple Credit Card

Apple Credit Card
Source: Apple Credit Card
  • No Fees: Enjoy the simplicity of no annual fees, foreign transaction fees, or late payment fees, allowing you to focus on using your card without worrying about additional costs.
  • Real-Time Spending Insights: The Wallet app provides real-time insights into your spending habits, categorizing transactions and providing tools to help you track and manage your finances efficiently.
  • No Foreign Transaction Fees: Make purchases abroad without incurring foreign transaction fees, saving money on international transactions.
  • Customer Support: Access dedicated customer support through the Wallet app or Apple’s support channels, receiving assistance with account inquiries, transactions, and more.
  • Privacy and Security: Benefit from Apple’s strong commitment to privacy and security, with features like tokenization for enhanced payment security and Face ID/Touch ID authentication.
  • Purchase and Travel Protections: Enjoy purchase protection against theft or damage for eligible purchases made with the Apple Credit Card. Additionally, receive travel benefits such as rental car insurance and travel accident insurance.
  • Seamless Integration with Apple Services: The Apple Credit Card seamlessly integrates with Apple Pay and other Apple services, allowing for effortless payments and rewards redemption across the Apple ecosystem.

Access Requirements

To be eligible for the Apple Credit Card, applicants typically must have a fair to good credit score, though the exact range isn’t strictly defined. The approval process involves a soft credit check, which doesn’t impact your credit score, allowing you to see if you qualify before a full application​​.

Additionally, the application requires you to have an iPhone compatible with Apple Pay, as the card is tightly integrated with Apple’s digital wallet. This requirement underscores the card’s focus on digital-first, tech-savvy consumers who are comfortable with managing their finances through a mobile interface​​.

How to Apply for the Apple Credit Card

Applying for the Apple Credit Card is a straightforward process that can be done directly from your iPhone or iPad using the Wallet app. Here’s a step-by-step guide on how to apply:

  1. Open the Wallet App: Launch the Wallet app on your iPhone or iPad. This app typically comes pre-installed on Apple devices.
  2. Tap on the “+” Icon: Look for the “+” icon or the “Add” button within the Wallet app. This is where you can add new cards, including the Apple Credit Card.
  3. Select “Apple Card”: Scroll through the list of available card options and choose “Apple Card.”
  4. Tap “Continue”: Follow the prompts to begin the application process. You’ll need to enter some personal information, including your name, date of birth, address, and Social Security number.
  5. Review Terms and Conditions: Read through the terms and conditions of the Apple Credit Card carefully. Make sure you understand the card’s features, benefits, fees (if any), and the terms of use.
  6. Submit Your Application: Once you’ve filled out the required information and reviewed the terms, tap “Apply” or “Submit” to send your application to Goldman Sachs, the issuing bank for the Apple Credit Card.


Is there an annual fee?

No, the Apple Credit Card does not have an annual fee​​.

Can I earn rewards on all purchases?

Yes, varying from 1% to 3% depending on how and where you make the purchase​​.

Is it secure?

Yes, it uses Apple’s advanced security features​​.

Can I share the card with family?

Yes, up to five authorized users can be added​​.

Apple Credit Card
The simplicity of Apple. In a credit card.
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Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.