Apple Card

Apple Card

For People with
Fair Credit



Coming this summer, the Apple Card is expected to crash the credit card market with unique features, exceedingly low interest rates, and impressive privacy assurances.

The physical Apple Card is a laser-etched titanium card without a card number, CVV, expiration date, or signature box. Capitalizing on Apple’s already-existing security features of Apple Pay, you’ll be able to find all of this information in the Wallet app on your iPhone.

The card will earn 3% cash back on everything you buy from Apple (in-store or online), the App Store, or iTunes. 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.

Apple’s upcoming credit card comes with absolutely no additional fees, including no late fees, no annual fee, and no foreign transaction or over the limit fees. 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, but the new card may take this even further. 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 the contents of your purchases or how much they cost.

We don’t have all the details for the Apple Card just yet, but we’ll update this page as they come in. The card will be available for U.S. customers in the summer, and if you want to learn more you can check back here or sign up for notifications from Apple at

To get this card, you’ll be able to apply through the iPhone Wallet app and start using it with Apple Pay right away online, in apps and in-store. You’ll probably also be able to apply online, like any other credit card, and maybe in Apple stores. The Wallet app is where you’ll be able to manage your card, see real-time transactions and balance history, and access 24/7 card support.

The new Apple Card is very different from Apple’s existing credit card, the Barclaycard Visa® with Apple Rewards Card (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

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
  • 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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