You'll need to spend at least $6,000 on Apple products per year to break even on this card's average APR. This card is for those who frequently use their iPhone or other Apple devices and make most purchases with their physical card. The trade-off is that you're locked into the Apple ecosystem.
What you actually earn
Who this card is for
Those with fair-to-good credit who regularly spend over $5,000 per year on Apple products and services should consider this card for its high rewards earning potential.
The compliance footnote
The Apple Card carries a $0 annual fee with an APR range of 19.24–29.49% Variable. Foreign-transaction fee is none. The current signup offer is None. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.