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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Average rating:  
 8 reviews
by GK
They will ruin your good FICO score. Stay away!

These time-wasters approved me for their card line on my apple purchase back in 2014. Since then, this is what happened:1) Interest Hike - after paid in full and on time without carrying a balance. Their interest rate went up for no reason! 27% ?! Nothing changed on my general FICO score. Surprise, Surprise!2) Bad customer service. "Fraud protection" on every attempt to use it. The worst was when I tried to use the card and we called from Apple to verify identity - the representative over the phone was beyond moronic and claimed that they cannot verify the identity??!! What?!3) Then, the cherry on the cake: For no apparent reason, THEY CLOSED THE CARD. I only got a notice saying they closed it - My FICO score got a hit of course.Take my word for it - Stay away!

by Mia Beau
Not worth it

Beware of this card since customer service will tell you one thing and do another. Very poor customer service and for the interest you pay, it is not worth it.

by Johnny
They DO NOT like

I will give them a ZERO "rating"! Echoing the others here, by far, bar none, WORST I've EVER dealt with. Bought my son a computer so I opened this "card", BIG mistake! I paid the card off sans $180 on a Friday the 29th, end of the month with a CASH transfer. On Sunday, Easter, it hadnt "posted" yet I was told when I called but "it will DEFINITELY post tomorrow and you'll be able to USE it" that being the KEY statement. I said "ok I'll buy THAT its a Holiday." So on Monday, today the 2ND of APRIL, while they've received the $1820 from me already and I was told it would be "all set on Monday" I call up and get a message saying I had "no available credit!" So I get a "Rep" on the phone and her bullshit story is that "you cant USE the card until the 10TH of APRIL!!!" I told her "i'll do you one better, I'm CLOSING the account and cutting up the card." LOL DONE finite! STAY AWAY is all I can tell you. I already KNOW on the "10th" I would have heard ANOTHER bullshit story and Homie aint playin that! lol

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.

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