Apple Card Review – Is it a Trusted Card?

The Apple card was designed to service communication with other ecosystems which include the wallet app, and Apple Cash. Apart from that, cash-back rewards are given to users.

You might have heard a lot about the Apple Card and you want to know if it is up to the standard required and meets your expectations. The Card is a credit card basically for those using the iPhone device.

Let’s look at certain things you need to know about the Apple Card. We will begin by looking at the Pros and Cons of Apple card it and more to know more in this Review.

Apple Card Review

The Apple Card, launched in 2019 by Apple is a credit card that has a user-friendly interface. The Apple card was designed to service communication with other ecosystems which include the wallet app, Apple cash, and Apple Cash. Apart from that, cash-back rewards are given to users.

Apple Card Review
Apple Card Review

In this Apple Card Review, let’s check out the pros and cons of the Apple Card.

Apple Card Pros and Cons

Apple Card Pros

  • No Transaction Fee: The Apple Card will be a better option for those who don’t want irrelevant charges for their transaction. Apple Card has no fee attached to its late payment or foreign transaction.
  • Cashback Offers: When you make purchases using the Apple Card, you get cashback rewards. When you use the Apple card to make a purchase with Apple which includes Apple Music, App store, and iTunes, you earn 3% cashback. There’s also an option that allows you to earn 2% cashback when you make purchases with Apple Pay. You can also earn 1% cashback when you purchase with a Physical card.
  • User-friendly: The Apple card has a very user-friendly design that allows users to navigate easily. Users can manage their accounts, view transactions, and pay bills from the Apple Card wallet on their iPhones.
  • Highly Secured: The Apple card has a very high level of security which includes the one-time authentication code for each purchase made. It also allows you to use the Touch ID or the Face ID to authenticate the transaction.
  • Daily Cash Reward: You earn a daily cash reward of about 3% on everything you purchase on Apple with the Apple Card. The earned cashback is added to your Apple Card Account used as cash via Apple Pay and sent to your local bank account or even send to friends through the iMessage.

Apple Card Cons

  • Limited Acceptance: Only merchants that accept the Mastercard can accept The Apple Card. This absolutely means that Apple Card won’t be accepted by some merchants.
  • Low Rewards: The Apple Card offered many rewards but they are not compared to the rewards of other credit cards.
  • Limited Credit Limit: Users of the Apple Card have limited credit limits very much below what their expectations were.
  • No Balance Transfers option: The option of a balance transfer is not offered by Apple cards, which could scare users aware from them.
  • No Shared Account: The Apple Card do not allow shared account, which means families or couple cannot share the same credit card account.
  • No Welcome Bonus: Unlike other credit cards, Apple Card does not give their new users welcome bonuses.

Is Apple Card a Good Card to Have?

Absolutely, an Apple card is a good card to have personally. You can use the Apple Mastercard to purchase with Apple Pay. The Apple card is an easy-to-use card with no fees and tight security features, and you also get a cashback reward using the card.

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What credit score is needed for an Apple Card?

The Credit needed for an Apple card is ranged from 660 and above. That means you are expected to score above 660 for your credit to be approved.

What is the Limit on Apple Card?

The Apple card limit is expected to be around $2,500 to $20,00 apart from Golden Sachs which did not specify the Apple credit limit details.

Can Apple Card be used on anything?

The Apple Card can be used anywhere the Mastercard is used. You can use it to make payments and purchase in any part of the world.

Can I use Apple Card Internationally?

Yes, you can use the Apple card anywhere in any foreign country and you will not be charged for any transaction except those in the United States.

How Long does it take for Apple Card Approval?

Apple Card approval takes about 7 to 10 working days. Most times, it is accepted instantly. Once your card is approved, you will receive an offer attached to your credit limit and when you accept the offer, your Apple Card is ready for use.

Is Apple Card a Good Card to Have?

Yes, you can try out the Apple Mastercard from Goldman Sachs. You can use this card to purchase many things with Apple Pay.

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Is Apple Card more Secure than a Credit Card?

Apple Card uses high-security features for the safety and privacy of their users.

Final Verdict – Apple Card Review

The Apple Card offers a lot of amazing offers like a user-friendly interface, no fees transactions, and cashback rewards. It also has very tight security features which give it a thumbs up. Despite having incredible features, it also has some bad side which includes limited acceptance, low rewards, and no shared account for a few users.

The Apple Card will be right and wrong for you depending on what you desire to use the credit card for.

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