Apple Card

Apple Card

For People with
Fair Credit



The Apple Card is a new kind of credit card product with impressive privacy assurances. It’s primarily designed for use with Apple Pay.

You can’t apply for the Apple Card directly on the web. Instead, you can sign up to be notified on Apple’s website to find out when the card will be available to you, then you can apply in the Wallet app on an iPhone. Apple started sending invitations in August 2019.

The physical Apple Card is a laser-etched titanium card without a card number, CVV, expiration date, or signature box. The card includes an EMV chip for Chip-and-Signature transactions, as well as a silver magnetic stripe on the back. Capitalizing on Apple’s already-existing security features of Apple Pay, you’ll be able to find a virtual credit card number for online purchases the Wallet app on your iPhone. It’s easy to request a new number at any time if you think the number has been compromised.

The card earns 3% cash back on everything you buy from Apple (in-store or online), the App Store, or iTunes, as well as with Uber and Uber Eats when using Apple Pay. You’ll get 2% cash back every time you use Apple Pay, on anything and everything, without limits. For all other purchases, you’ll still get 1% cash back. All of your cash back goes directly to your Apple Cash card in the Wallet app the next day, where you can spend it with the press of a button.

Beyond interest fees if you don’t pay your full statement balance each month, there are no additional fees, including no late fees, no annual fee, and no foreign transaction fee. This card doesn’t even have penalty fees if you happen to miss a payment!

Jennifer Bailey, Apple’s vice president of Apple Pay, said that the “Apple Card is designed to help customers lead a healthier financial life, which starts with a better understanding of their spending…” Apple encourages this with some rather unique systems such as smart payment suggestions, weekly or biweekly payments, utilizing Maps to show the exact locations of purchases, and even making your card due date on the last day of the month so it’s easier for you to remember.

One particularly innovative feature is the one-time dynamic security code used for Apple Pay transactions. Utilizing Face ID or Touch ID, the Apple Card uses a “unique security and privacy architecture” so that nobody, even the people at Apple themselves, will know where you make your purchases and how much they cost.

To get this card, you can apply through the iPhone Wallet app and start using it with Apple Pay right away online, in apps and in store. The Wallet app is where you can manage your card, see real-time transactions and balance history, and access 24/7 card support.

The new Apple Card is very different from the co-branded card available from Barclays, the Barclaycard Financing Visa® (Review).

Where can I use my Apple Card?

This card can be used anywhere Mastercard or Apple Pay is accepted.

Card Quick Facts

Card Quick Facts

  • 3% cash back at Apple, iTunes, and the App Store
  • 3% cash back with Uber/Uber Eats when paying with Apple Pay
  • 2% cash back every time you use Apple Pay
  • No annual fee
  • Managed through the iPhone Wallet app
Apple Card

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3% cash back at:
    • Apple in-store or online
    • iTunes
    • App Store
    • Uber/Uber Eats (when using Apple Pay)
  • 2% cash back every time you use Apple Pay
  • 1% cash back on everything else
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee $0
Regular Purchase APR -
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee -
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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