Apple Card Review

Get ready to experience a credit card that is reimagined, redesigned, and seamlessly integrated into your digital life. 

The Apple Card delivers rewards with its innovative Daily Cash program, while also providing powerful, easy-to-understand tools to help you manage your spending and pay down your balance. Forget everything you thought you knew about credit cards; the Apple Card is here to set a new standard for what a credit card can and should be.

CREDIT CARD

APPLE

CASH BACK 3% APPLE BENEFITS

APPLY NOW You will be redirected

Fantastic Benefits of the Apple Card

The Apple Card is packed with unique features that are deeply integrated into the Apple ecosystem. Here’s a look at the incredible value it offers:

1. Get Unlimited Daily Cash Back: This is a game-changer! Earn real cash back every single day, not at the end of your billing cycle. There’s no limit to how much you can earn, and the cash is yours to use right away.
2. Up to 3% Daily Cash: The rewards are simple and generous. Get 3% back on everything you buy from Apple and at select merchants like Uber, Walgreens, and Nike when using Apple Pay.
3. 2% Daily Cash with Apple Pay: For all other purchases made using Apple Pay, you’ll receive a solid 2% Daily Cash back. It’s a fantastic incentive to use the secure and convenient payment method already on your iPhone.
4. Deposit Daily Cash into a High-Yield Savings Account: Grow your rewards effortlessly. You can have your Daily Cash automatically deposited into a high-yield Savings account from Apple, allowing your cash back to earn interest.
5. Absolutely No Fees: Say goodbye to hidden charges. The Apple Card has no annual fees, no late fees, no foreign transaction fees, and no over-the-limit fees. Period.
6. Apple Card Monthly Installments: Purchase new Apple products and pay for them over time with 0% interest. You’ll get 3% Daily Cash back on the purchase upfront, making it the smartest way to buy from Apple.

8. A Card Designed for Apple Pay: The Apple Card is built for the security of Apple Pay. Every transaction is authorized with Face ID, Touch ID, or your passcode, adding a powerful layer of security to your purchases.
9. A Beautiful Titanium Card: For times when you can’t use Apple Pay, you can request a beautifully designed, laser-etched titanium card to use anywhere Mastercard is accepted, and you’ll still earn 1% Daily Cash.
10. Apple Card Family: Share your Apple Card with members of your Family Sharing group. Co-owners can build credit equally, and participants 13 and older can learn to spend responsibly, all while everyone earns Daily Cash.

Who Can Apply

To be eligible to apply for the Apple Card, you must meet the following requirements:

• Age: You must be 18 years of age or older.
• Citizenship/Residency: You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address (P.O. boxes are not accepted, but military addresses are).
• Required Devices: You need a compatible iPhone or iPad with the latest version of iOS or iPadOS to apply and manage your account.
• Apple ID and Two-Factor Authentication: You must be signed in to iCloud on your Apple device with your Apple ID, and have two-factor authentication enabled.
• Credit Freeze: If you have a freeze on your credit report, you will need to temporarily lift it before applying.
• Identification: You may need to verify your identity with a U.S. driver’s license or a state-issued photo ID.

How to Apply

Applying for the Apple Card is incredibly simple and takes just a few minutes, right from your iPhone:

1. Open the Wallet App: On your iPhone, open the Wallet app.
2. Tap the Add Button: Tap the plus sign (+) in the upper-right corner.
3. Select “Apple Card”: Choose “Apply for Apple Card” and tap “Continue.”
4. Fill Out Your Information: Your name and date of birth will be pre-filled. You will need to enter the last four digits of your Social Security number and your annual income.
5. Review and Accept the Terms: Read and agree to the Apple Card Terms & Conditions.
6. Accept Your Offer: If you are approved, you will see your offered credit limit and interest rate. Accepting the offer will not impact your credit score until you accept the terms. Once you accept, the digital card is immediately available for use in your Wallet app.

Frequently Asked Questions 

1. Do I need to have good credit to get an Apple Card?
   While Goldman Sachs uses your credit score and report to evaluate your application, the Apple Card is designed to be accessible to a wide range of customers. A score in the mid-600s or higher will give you a better chance of approval. Apple also offers a “Path to Apple Card” program for some applicants who are initially declined, which provides steps to help them qualify in the future.
2. What happens to my Daily Cash rewards?
   Your Daily Cash is automatically sent to your Apple Cash card in the Wallet app each day. From there, you can use it to make purchases with Apple Pay, send it to friends via Messages, or transfer it to your bank account. Alternatively, you can have it automatically deposited into a high-yield Savings account, also managed through the Wallet app.
3. Are there really no fees? What about interest?
   It’s true, the Apple Card has no annual fees, foreign transaction fees, late fees, or other common credit card fees. However, like any credit card, if you carry a balance from month to month, you will be charged interest on that balance. 
4. Do I need an iPhone to use the Apple Card?
   Yes, to get the full functionality and benefits of the Apple Card, you need a compatible iPhone or iPad. The card is deeply integrated with the Wallet app, which is where you manage your account, track your spending, make payments, and access your virtual card number.
   

CREDIT CARD

APPLE

CASH BACK 3% APPLE BENEFITS

APPLY NOW You will be redirected