The Barclaycard Visa with Apple Rewards Card

The Barclaycard Visa with Apple Rewards Card is made for people who are interested in financing purchases at Apple with 0% interest.

An introductory APR of 0% is offered for 6-18 months, as long as a purchase is made at Apple within 30 days of account opening, and the balance is paid within the promotional period.

The promotional period is based on your purchase amount:

  • 6 months: less than $499
  • 12 months: $499 – $998
  • 18 months: $999 and over
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  • Rewards
    • Earn 3 points for every $1 spent at the Apple Store
    • Earn 2 points for every $1 spent at restaurants
    • Earn 1 point on all other purchases
  • Signup Bonus None
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 14.74%, 20.74% or 27.74% Variable
  • Cash Advance APR 27.99% Variable
  • Penalty APR See Terms
  • Late Fee Up to $37 (Up to $15 for residents of Iowa at time of account opening)
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Visa Signature Fine Wine & Food

    Invitations to exclusive dining events and wine tastings, as well as discounts at restaurants and gourmet retailers.

  • Visa Signature Concierge

    A 24/7 personal assistant you can call for help with travel plans and reservations, shopping, and more (Visa Signature only).

  • Visa Signature Entertainment Services

    Includes special offers for entertainment, sporting events, and certain purchases. (Visa Signature only).

  • Visa Signature Travel

    Special deals and discounts on hotels, car rentals, cruises, and more. (Visa Signature only).


  • Zero Liability Protection

    You won’t be held responsible for fraudulent transactions. Contact customer service immediately.


  • Extended Warranty

    Extends a manufacturer’s warranty on eligible purchases.


  • Travel and Emergency Assistance Services

    Provides help getting in touch with emergency services, no matter where you might be.

  • Auto Rental Collision Damage Waiver

    Provides coverage against damage and theft of rented vehicles (must decline the rental company’s own insurance).

  • Roadside Dispatch

    24/7 toll-free referral for help finding services like towing, tire change, fuel delivery, etc.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Create your own review

Average rating:  
 5 reviews
by Sakina Fayaz
Worst Reps Ever!!

If only a zero rating was offered. I have been on call with a Rep named DON for the past 1 hour and all she has been doing is raising her voice at me saying I am not the person who applied for the card even though I answered every single security question correctly. My SSN was being used by one of the other Reps named James and they opened false cards under my name, Barclays with apple was one of them, I called to inform them and all they did was transfer me from one rep to another. After speaking to the rude Rep she said she would give me a bad credit score. Be careful and do not open accounts with them or send in any documents.

by Mark
they are the WORST

I can’t believe how difficult it has been to work with this company. I’m a starving student just trying to get ready for graduate school. I got my credit and got my iPad Pro but it’s been miserable working with them. No offense but their phone reps dont speak good English so they don’t understand me when I explain my situation. It’s happened multiple times. Also, they’ve had to reset my account 3x because the cards aren’t getting to me in the mail.

by Chris Long
Barclay must not like paying customers.

This is the worst card I've ever owned, hands down. So now, I'm following through with my promise to Barclay to let others know about their practices. I'll try and keep this short, but informative.My background: $110K Annual income, FICO 690-702, $80K in student loans, never a late payment, $0 balance after quickly paying off Macbook.1. Received letter in the mail from Barclays informing me they would close the account because of inactivity ($0 balance for a long time).2. I wanted to keep the account open for credit reasons, so I used it to pay for $1200 worth of computer goods.3. A month later, I was notified my available credit was being reduced by about half because they had determined my credit rating dictated a lower amount. The new available credit was a few hundred dollars over the amount of purchases, thus appearing as a "max-out" credit card on my credit report.4. I contacted customer support with my dissatisfaction, and despite letting them know I would pay it off, close the account, and warn others about Barclay, I only received a form letter stating "we understand."5. I processed a payoff for the card and contacted customer support to close the account. When they asked why, I was polite, but firm and gave them the explanation. Again, they said they "understand" and closed the account.I've never had a credit card company do this before and was equally disappointed when they doubled down with their decision. Although I couldn't get a concrete answer, other than credit rating considerations, I fully regret ever financing the Macbook through Barclays instead of another bank or just paying cash. So even though I paid it off, only purchased on the card when I got a letter about closing the account, never had a late payment, I still got my credit rating hit by Barclays reporting a maxed-out credit card on my credit report.At the time, I needed the Macbook as I was doing iPhone development work, and money was a little more tight back then, but at least I can warn others to avoid doing business with Barclay. Thank you.

by Sarah
Walk away!!

Don't get a card with them! I haven't dealt with such bad and mean customer service. I wish giving them a negative star would be an option. My SSN was stolen and someone opened cards under my name, Barclays with apple was one of them, I called them to tell them. After being transfer from one customer rep to another, they said if I don't make payments, they would ruin my credit score.

by Patty Serafin
Horrible Customer Service

I would give them 0 stars, but that is not an option. They cashed my check for $2700 back in December but have still not credited my account and it is now the end of January. I have called many times and each time I get a different story. I opened a case in early January, sent a copy of the cashed check 3 times but they have still not credited my account. I have asked for a manager to call me several times but have yet to receive a call. The last "manager" I spoke with said my issue was escalated and should be resolved in 3-5 days and it has been over a week. Tonight the person I spoke to told me that they have millions of customers so I just have to wait.

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