Apple Card Review (2026.5 Update: AirPods 3 Sign-Up Bonus, But Terms Are Super Cumbersome)
2026.5 Update: There is now a sign-up bonus being promoted as “earn back the cost of AirPods 3,” but the actual terms are extremely cumbersome: you need to purchase AirPods 3 by June 15, then starting from July 1, make 10 purchases each month to earn $25 in Bonus Daily Cash. This lasts for 10 months, for a total of $250. The terms are so convoluted that they are practically unheard of in the US credit card world.
2024.10 Update: The $100 offer is expired. The $75 offer is still alive.
2024.8 Update: There’s $100 offer now.
Application Link
Features
- $75 offer: earn $75 after making one purchase in the first 30 days. The recent best offer is $100.
- Earn 3% cashback on Apple, 3% cashback on selected merchants via Apple Pay, earn 2% cashback everywhere via Apple Pay, and earn 1% cashback everywhere else. The list of 3% merchants are:
- Exxon/Mobil
- Uber & UberEATS
- Walgreens
- Duane Reade
- Nike
- T-Mobile store
- Apply on iOS devices for the card. After that, you can request a physical card. The physical card is made of 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.
- 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.
- No foreign transaction fee.
- No annual fee.
Disadvantages
- Sign-up bonus is low.
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
Application Link
If you like this post, don’t forget to give it a 5 star rating!
