Apple Card Review (2019.8 Update: Publicly Available Now)

Apple Card Review

2019.8 Update: The Apple Card is now publicly available . If you still can’t see it, please make sure your iOS system is updated to at least version 12.4. They also announced a new bonus category: you can now earn 3% cashback on Uber and Uber Eats via Apple Pay.

Application Link

Features

  1. Earn 3% cashback on Apple, Uber and Uber Eats via Apple Pay, earn 2% cashback everywhere via Apple Pay, and earn 1% cashback everywhere else.
  2. Apply on iOS devices for the card. After that, you can request a physical card. The physical card is made by Titanium. There is no card number, no CVV, no expiration date, no signature on the physical card. If you need a card number, you can get a virtual number in the Wallet app on iOS devices.
  3. You only enter the last 4 digits of your SSN when you apply. Goldman Sachs is the card issuer and will give you a decision about credit limit and APR first, and then let you decide whether to continue. If you choose not to continue or get denied, there will be no hard pull (HP). There will be HP only after you continue and finish the whole process.
  4. No foreign transaction fee.
  5. No annual fee.

Disadvantages

  1. No sign-up bonus.

Summary

This is an attempt to challenge the current credit card market by Apple. It has deep integration with iOS devices. Compared to the earning structure of this card versus other cards, it is OK but not great. You can get 2% cashback in most places via Apple Pay. For the people who want to maximize credit card rewards, this card is not for you. But the card looks fancy, and maybe the Apple logo is a sufficient reason for some people to have it.

Historical Offers Chart

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