Apple Credit Card Review Reddit


If you’re in the market for a new credit card, it might be worth checking out Apple’s offerings. Not only do they have some of the best rewards programs out there, but their cards also come with low interest rates and no annual fees. But is Apple really the best credit card for you? Read our full review of the Apple Card to find out.

What is Apple Credit Card?

Apple Credit Card is a credit card that’s issued by Apple Inc. The card is designed for Apple customers and can be used at many of the company’s stores and online. It has low APR, no annual fees, and rewards that can be used to purchase items in the store or online.

One thing to note about the Apple Credit Card is that it doesn’t have an introductory 0% APR offer like some other cards do. However, starting from November 1st, 2018, the APR on new purchases will be just 0.15%. Another thing to note is that there is no limit on how much you can spend with this card each month. Lastly, the card comes with a spending limit of $10,000 per year.

How Apple Credit Card Works

Apple’s credit card lets you buy things online and in stores, and has a low interest rate of 0.99%. The card also has a spending limit of $2,000 per month, so it’s not great for large purchases. The card doesn’t offer any rewards, but the low interest rate is worth it.

To use the Apple Credit Card, first sign up online. You’ll need to provide your name, address, and credit score. Once you’ve registered, you can create an account password and security question. You’ll then need to input your birthdate to verify your identity.

Next, you need to decide how much money you want to spend each month. To do this, go to the card website and enter your account information. Under “Your Account Summary,” you will see “Total Available Balance (in USD).” This is the total amount of money that is available in your account at any given time.

You can use this number to calculate how much money you can spend each month without going over your spending limit. For example, if your available balance is $2,000 and you want to spend $500 each month without going over your spending limit, then your maximum monthly spending would be $1,500 ($2,000 − $500).

To make a purchase with the Apple Credit Card, click on the “Buy Online Now”

Apple Credit Card Fees

Apple offers its customers a credit card that charges 0% interest on purchases for the first 6 months and then a variable APR of 24.99- 27.99%. This card has no annual fees and is accepted at over 1 million places. Customers have given it high marks for its user-friendly interface and convenience.

One downside to the card is that there is a 3% foreign transaction fee, which applies to all purchases made outside of the U.S., regardless of the credit card company’s fee policy. However, this fee is waived if you make at least $1,000 in purchases each month on your Apple Credit Card account.

Pros and Cons of using Apple Credit Card

-Low interest rates
-Good rewards program
-Wide acceptance
-No annual fees

-Only available to Apple customers
-Cannot be used for online purchases or withdrawing money from an ATM


Apple Credit Card is a very good credit card. It offers great rewards and has low interest rates. I highly recommend it to anyone looking for a good credit card.