The Barclaycard Visa with Apple Rewards Card

For People with
Fair Credit



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
Card Quick Facts

Card Quick Facts

  • Get special financing and earn Apple rewards with Barclaycard.
  • Apply for special financing with Barclaycard Visa plus earn points each time you shop. For every 2,500 points you earn, you’ll get a $25 Apple Store Gift Card or iTunes card.
  • Apply for promotional financing at Apple with Barclaycard Visa with Apple Rewards.
  • No interest if paid in full within promo period.
  • Finance purchases made at Apple within the first 30 days of account opening.
  • Promo period based on purchase amount. Promo period: 6 months: less than $499, 12 months: $499 to less than A1:B16, 18 months: $999 and over
  • Interest will be charged to your account from the transaction date at the purchase APR if the purchase balance is not paid in full by the end of the promotional period or if you make a late payment. The purchase APR will be 14.24%, 20.24% or 27.24% variable, based on your creditworthiness.
  • The minimum monthly payment may not result in your Apple purchase(s) being paid in full by the financing offer expiration date. Additional payment(s) may be required to avoid interest charges.

For People with
Fair Credit



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Card Details



  • 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
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.74%, 20.74% or 27.74% Variable
Intro Purchase APR 0% for 6-18 months for purchases made within 30 days of opening your account; applies only if you pay off your balance within 6-18 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
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
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 14.74%, 20.74% or 27.74% Variable
Balance Transfer Fee 3%; Min:$5
Cash Advances

Cash Advances

Cash Advance APR 27.99% Variable
Cash Advance Fee 5%; Min:$10

Card Benefits

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

Visitor Reviews

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

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Average rating:  
 10 reviews
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.

by Sue

Barclay will NOT back you up when it comes to FRAUDULENT CHARGES! They make you call the people who fraudulently charged your card and plead your case. Barclay takes the side of the criminals and thinks you charged the card and now don't want to pay for it. Completely opposite of all other cards!! DO NOT DO BUSINESS WITH BARCLAY!! They do not trust their own customers. They trust the criminals!!

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

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