Barclaycard Visa® with Apple Rewards Card


For People with
Fair Credit

REVIEWS

Reviews

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

This is not the same card as the Apple Card that was introduced on March 25, 2019.

Cardholders earn 3X points per dollar at Apple and iTunes, with 2X points per dollar at restaurants. Each point is worth 1 cent, so you’re getting a 3% cash back equivalent at Apple with this card.

This card offers deferred financing for purchases from Apple made within the first 30 days of opening the card. After your initial deferred financing term is over, you can activate another deferred financing offer by calling customer support.

The more you spend, the longer your deferred financing term:

Total Amount Spent Term Length
Less than $499 6 months
$499 to less than $999 12 months
$999 and over 18 months

Take note that this is a deferred interest financing offer, rather than a true 0% introductory APR. That means if you make a late payment or fail to pay off the full balance by the end of the term, you’ll be charged interest going all the way back to the purchase date. And that could get quite expensive.

Read more about this deferred financing offer here, and learn how to use it to safely make Apple purchases without paying extra interest.

Where can I use my Barclaycard Visa® with Apple Rewards Card?

This card can be used anywhere Visa credit cards are accepted.

Card Quick Facts

Card Quick Facts

  • 3X points per dollar at Apple and iTunes
  • 2X points per dollar at Restaurants
  • Rewards are automatically redeemed for Apple or App Store/iTunes gift cards
  • Deferred interest financing for purchases made at Apple within the first 30 days of account opening
  • Deferred financing term is based on purchase amount. Less than $499: 6 months; $499 to $998: 12 months; $999 and over: 18 months
  • For deferred financing, if a late payment is made or the full balance is not paid on time, interest will be charged for the full length of the term going back to the purchase date

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 3X points per dollar spent at:
    • Apple Store
    • iTunes Store
  • 2X points per dollar spent at Restaurants
  • 1X point per dollar spent on all other purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.24%, 22.24% or 28.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.24%, 22.24% or 28.99% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 29.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

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

  • Deferred Financing Plans

    Get deferred interest financing on purchases from Apple made within the first 30 days. Less than $499: 6 months; $499 to $998: 12 months; $999 and over: 18 months. Call customer support to renew your deferred financing eligibility after the first 30 days.

  • Free FICO Credit Score

    Check your FICO Score 8 for free whenever you’d like, based on your TransUnion credit report.

  • Visa Signature Luxury Hotel Collection

    At eligible hotels, get a $25 food and beverage credit, automatic room upgrades, VIP guest status, and more.

  • 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 Entertainment Services

    Includes special offers for entertainment, sporting events, and certain purchases.

  • Visa Signature Travel

    Special deals and discounts on hotels, car rentals, cruises, and more.

  • Zero Liability Protection

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

  • ID Theft Protection

    Provides assistance if you believe you’ve become a victim of identity theft.

  • Price Protection

    If you make an eligible purchase and find it being advertised for less, you can be reimbursed for the price difference.

  • Extended Warranty

    Extends an eligible manufacturer’s warranty by up to one additional year, for warranties of three years or less.

  • Auto Rental Collision Damage Waiver

    Provides coverage against damage and theft of eligible 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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Average rating:  
 21 reviews
by Oswaldo
Really bad customer service

Really bad customer service, and they only work with eastern time if you try to make a payment on western time you’re late on your payment and they will charge you a late payment fee even when you are on time at your time. Their customer service representative won’t care they will charge you no matter what you say

by Hannah
BEWARE WORST CREDIT CARD COMPANY EVER!!

If I could give negative stars I would. They explained to me after a year I would be charged interest but not interested on the FULL ORIGINAL purchase with was roughly $1,495. One day I noticed I got charged $644.98 In interest on a card with 29% apr. called to get the situation explained and was treated like I was incompetent and very rudely. I will never use this card again, never use this bank again, and never use apple again. I am disgusted by their behavior and lack of compassion. People don’t have $600+ to just throw away well normal people that I know do not. This is outrageous. Maybe if they card more about their customers then just getting a sale and opening up accounts they wouldn’t have so many bad reviews and such a horrible reputation!

by Rabih
Horrible customer service

I applied for Apple Barclaycard around 6 weeks ago , they sent me an email that I am going to receive a letter for additional documentation, I did received the letter twice and I sent the documents 2 times and I called today to check on the status, they told me I have to wait 7 to 10 business days , each time I called they say the same ! I think is a big mistake from Apple to deal with a company like Barclaycard! There is a lot of great credit cards companies way better ! I feel so bad to Apple for that!Barclaycard you have a weak system and bad management!

by Ariel prido

Terrible credit card company. Don't ever have credit card with them if u want to protect your credit rating. Had it for 5 years. Rarely used it and for no apparent reason cut my credit line fron 2500 to 500 and brought my credit rating down by 65 points after I charged $237 on the account. Beware!!!

by Berlinie
Horrible customer relations

I’ve been with Barclays for three years. I was facing some financial difficulties for some time. Nonetheless, I fought to pay off my balance in full. The company ended up drastically lowering my credit limit and refused to increase my limit even though I have a stable income now. I decided to close the account since they would not increase my limit and they did nothing to stop me from leaving.

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