The Apple Card has gained popularity for its sleek design, instant iPhone integration, and no-fee promise — but is it actually a good credit card? Whether you’re building credit or looking for a new daily driver, here’s what you should know before applying.
What Is the Apple Card?
The Apple Card is a credit card issued by Goldman Sachs and built into your Apple Wallet. It’s designed primarily for iPhone users and emphasizes privacy, simplicity, and no hidden fees.
You can apply directly through your iPhone’s Wallet app and get an instant decision in most cases.
What Credit Score Do You Need for Apple Card?
- Minimum FICO Score: Around 660
- Ideal Score for Approval: 700+ for better limits and rates
- Score Type Used: Apple uses TransUnion FICO Score 9 during the application process
Note: If you’re not approved, Apple will show you why and let you reapply after 30 days or take part in their Path to Apple Card credit improvement program.
Pros of the Apple Card
✅ No Fees — Ever
- No annual fee, no late fees, no over-limit fees, no foreign transaction fees.
✅ Daily Cash Back
- 3% on Apple purchases (Apple Store, iTunes, App Store, Apple services)
- 3% at select merchants (e.g., Uber, Walgreens, Nike, T-Mobile, Exxon)
- 2% on all purchases made with Apple Pay
- 1% on all other purchases (physical card use)
✅ Instant Approval and Use
- Apply in minutes and use immediately with Apple Pay
✅ Spending Insights & Budget Tools
- Categorized spending breakdowns in the Wallet app
✅ Privacy and Security
- No card number printed
- Randomly generated virtual card numbers for each purchase
- Face ID or Touch ID for approval
✅ Pay Over Time (Installments on Apple Products)
- 0% financing on Apple devices when purchased directly
Cons of the Apple Card
❌ Requires an iPhone
- No Android support
- Apple Pay features limited to iOS users
❌ Not Great for Travel Rewards or Big Bonuses
- No sign-up bonus
- No points or miles for flights/hotels
❌ Only 1% Cash Back for Physical Card Use
- You’ll need to use Apple Pay for best rewards
❌ Lower Credit Limits for Some Users
- Reports of lower-than-expected limits, especially for new credit users
❌ Not Ideal for Balance Transfers
- No 0% APR introductory offers or transfer incentives
Who Is the Apple Card Good For?
This card is best if you:
- Already use an iPhone and Apple Pay regularly
- Want a no-fee, easy-to-manage card
- Value cash back on daily purchases
- Make frequent purchases from Apple or Apple partners
- Prefer digital banking with clear spending insights
Not the Best Fit If You:
- Don’t use an iPhone
- Want to travel and earn miles or hotel points
- Need a balance transfer or long 0% intro APR
- Want large sign-up bonuses or tiered reward programs
Quick Summary:
| Feature | Apple Card |
|---|---|
| Issuer | Goldman Sachs |
| Network | Mastercard |
| Credit Needed | Good (660–700+) |
| Rewards | 1–3% Daily Cash (not points) |
| Fees | $0 (No annual, late, or foreign fees) |
| Tech Requirement | iPhone required |
| Best For | Apple users, cash back, simplicity |
If you’re tech-savvy, prefer Apple Pay, and want a no-fuss card with solid everyday rewards, the Apple Card might be a great choice — especially if you already live in the Apple ecosystem.
Want a comparison post between Apple Card and other top cash back cards? Let me know!