Only worth it for Apple users : The card’s value comes from Apple Pay, which you can’t use without an Apple device. Sub-par rewards rate on non-Apple and non-Apple Pay purchases: The physical Apple Card may look cool, but there’s no reason to carry it with you if you’re open to having more than one credit card.
This begs the query “Is the Apple credit card worth it?”
That makes the card worth using for more than just Apple-related spending. But if you don’t plan on using Apple Pay much, that alone could tip the scales in favor of other rewards credit card offers. The Apple Card has a $0 annual fee, a 0% foreign transaction fee, and zero other fees to worry about.
A frequent question we ran across in our research was “Should I get the Apple credit card?”.
Don’t get the Apple Card just because it’s Apple. You may want to look at getting a card through your local bank with a low credit limit and see if you can negotiate a better rate. The interest rate is only applicable if you are late on your payments.
Should I apply for an apple card?
To answer the overarching question: yes, it’s worth applying for the Apple Card to earn 3% back on the newest i, and phone. You should apply for the Apple card if you fully intend on sticking with Apple phones for the next few years and can afford the credit inquiry that an application will cause.
This begs the question “Can I apply for the Apple Card as a college student?”
Honestly as a student with minimal income you most likely will end up with their highest interest rate of 23.99%. Don’t get the Apple Card just because it’s Apple. You may want to look at getting a card through your local bank with a low credit limit and see if you can negotiate a better rate.
Can you apply for the Apple Card again?
You can apply for Apple Card again, but you might receive the same decision. If you want to receive a different decision on your application when you apply again, you should review your credit report to see if you have conditions that might result in a declined application and then check for these common errors in your credit report.
We can find out. At least for now, the only way to apply for the Apple Card is through the Wallet app on an i, and phone. Additionally, you can only manage the card through the Wallet app, including paying the monthly bill. Additionally, users view their Apple Card purchases and spending habits through the app as well.
You have a high number of recent applications for credit. Goldman Sachs uses Trans. Union and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO9 score is lower than 600), 4 Goldman Sachs might not be able to approve your Apple Card application.
How good is the Apple Card introductory rate?
The Apple Card offers an introductory rate of 0% for 6 – 24 months on select Apple product purchases. But many credit cards for people with good credit or better offer 0% introductory APRs on all new purchases. In other words, don’t apply for the Apple Card unless you’re willing to spend big at Apple stores or partner brands.
While we were writing we ran into the question “How much do you get paid with an Apple Card?”.
Cardholders earn 3% Daily Cash on Apple purchases, 2% on purchases made with Apple Pay, and 1% on purchases made at merchants that don’t accept Apple Pay. (The physical card, like many cards going for a high-end look, is made of metal—in this case, titanium.).
The most usefull answer is: the Apple Card is a rewarding option for people with good credit or better who regularly buy Apple products and services, as well as for i. Phone, Mac and i. Watch users who are comfortable making purchases using Apple Pay.
Can I use my Apple Card on my Device?
Then, you can manage your Apple Card on your device and make purchases anywhere Mastercard is accepted. If you don’t add Apple Card to an i. Phone or i. Pad that you own, you can only use your Apple Line of Credit for eligible purchases online and in-store at Apple.
How long does it take to get an apple credit card?
You crave instant gratification Apple says you can apply for the card through the Wallet app on your i. Phone in minutes, and you can begin using it the moment you’re approved. No need to wait seven to 10 business days to get a card in the mail.