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.

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 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 $1 spent at:
    • Apple Store
    • iTunes Store
  • 2X points per $1 spent at Restaurants
  • 1X point per $1 spent on all other purchases

Introductory Bonus

  • 5,000 bonus points after your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.99%, 21.99% 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 $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 15.99%, 21.99% or 28.99% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 29.24% 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 credit score 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:  
 14 reviews
by Alli-Balogun
Abject fraud

This card is an abject fraud. The only selling point which is the deferred financing is an outright lie. Customer service reps will tell you that you are set to make purchases. Fast forward to the first bill then there is an interest charge. Call them and then they tell you how the purchase had to be made 2 days later. I hope this serves as fair warning to those that are in the process of obtaining this card and/or make an apple purchase. Rather than reversing an error(3.50) in my case they open a case. A billion dollar company will nickel and dime a consumer for 3.50 but remember that bad/negative insight from customers will cause loses of more than the aforementioned amount. I should have listened to consumers with similar problems. I am the fool however and accept responsibility for trusting the company.

by Susan
The absolute worst!

This credit card company that works with apple is a scam! They send out late payment slips so as to add late fees intentionally. Customer Service is dispicable ... they put you on hold for 20-25 minutes and get back onand mock you! Just terrible. Stay away! Go with American Express... they have exceptional customer service and have always been accommodating! Buyer beware!!

by Dan G
Regret signing up with them

Poor customer service, and you can't hardly do anything on the website, it shows all these services that would be great to utilize but pretty much every single one says it's not available and you have to call them to make simple requests. Website goes down far too often as well. Really no benefits to using this card and there are many better options out there. Not going to close it because I want the account longevity on my history but I just paid it off recently and do not plan on ever using it again.

by Brent
Poor Customer Support

They made a mistake and won't admit fault. Instead they called me a liar. They then canceled my online access to the account. I can't make online payments or even check the account.

by DK Sweet
Worst Finance Company Ever?

Approved for $1k; told them I needed to cancel card if credit line couldn't be upped to $3k. Higher amount approved after long conversation and provision of lots of facts. Apple sends confirmation. 2 days later Apple sends "problem with your payment." Barclays had canceled the card with no notice and claimed I had requested cancellation. Refused to reinstate though it was their mistake. Demanded I reapply. I refused.

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