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 introduced on March 25, 2019. That card will not be available until Summer 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 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:  
 18 reviews
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.

by Kelly
Bad Customer Service

I have had this card for over a year and have been set up on automatic payments for the entirety of owning this card. All my payments have come out on time. I recently switched banks and changed the payment information in Barclays system and signed back up for automatic payments. However, my monthly payment did not come out and was charged a late fee. I called customer service to see if there was anything they could do and they promptly said no because "it wasn't in their system". He did not offer any solutions for future payments or why it never signed me back up for automatic payments. I will be cancelling this card.

by Natalia
Scam

I have 10 other credit cards and this is the only one I have always have an issue with. Please beware and make sure you read the fine line to everything, they send you promotional misleading emails on how to receive an APR for a certain amount of months, than they always have some reason why you call why you couldn’t be granted it. I previously owed $2000 paid it down to $50, since I owed the $50 after the APR was done they made me repay back interest of $500 since I didn’t pay it of on time that the 0% APR ended. I have never had any other credit card do that so I didn’t think that even read for that. Then they sent me an email claiming , use this promotional period however you want, I purchased something by the date it said, and they said no it wasn’t however you want I was supposed to use checks they sent me in the mail that I never received. I can’t wait to to pay them off and close the account, I don’t care how much it hurts my credit they are the worst.

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.

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