Apple Card Review: Should You Get One?

The Apple Card delivers up to 3% cash back and other benefits to the Apple faithful.

A woman shops in the city while holding her phone and a credit card.
(Image credit: Getty Images)

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The Apple Card is a sweet deal for the iPhone crowd, with some caveats. To get the greatest value from this credit card, you'll need to pair it with the wallet app called Apple Pay and an Apple device to make purchases, such as an Apple Watch, iPhone or iPad.

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Apple Card

This card is designed for fans of Apple products. When linked with Apple Pay, the card gets 3% cash back from Apple Store purchases, Uber and other merchants, 2% back at all other merchants that take Apple Pay and 1% back when using the card alone. Cash rewards are deposited daily in an Apple Cash or Apple Savings Account.

Apple Savings account rate: Recently 4.4% APY.

Annual fee: None.

Sign-up bonus: None.

Interest rates: Variable APR of 19.24% to 29.49%.


As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

Ellen Kennedy
Personal Finance Editor,

Ellen writes and edits personal finance stories, especially on credit cards and related products. She also covers the nexus between sustainability and personal finance. She was a manager and sustainability analyst at Calvert Investments for 15 years, focusing on climate change and consumer staples. She served on the sustainability councils of several Fortune 500 companies and led corporate engagements. Before joining Calvert, Ellen was a program officer for Winrock International, managing loans to alternative energy projects in Latin America. She earned a master’s from the U.C. Berkeley in international relations and Latin America.