Apple Credit Card – No Fees – Not Even Hidden Ones

Surely, you must have heard of the Apple Credit Card already. After all, the product made a big buzz when it was first launched in August last year. Simple yet smart, this laser‑etched titanium card comes as one of the most popular credit cards to date.

Boasting of its daily cash back and impressive no-fee feature, the card claims to “do lots of things no other credit card can do.” Whether you’re after something that is convenient, transparent, or budget-friendly, Apple Credit Card might be the best bet for you.

Interested to know more? Below is a brief rundown of everything you need to discover about this financing option. Read on to know more about its features, application process, as well as the charges that apply. Here they are:

Apple Credit Card - No Fees - Not Even Hidden Ones

Apple Credit Card Features

Dubbed by Apple to be “everything a credit card should be,” the Apple Credit Card combines simplicity with advanced technologies. Specifically, the card be used anywhere Apple Pay is accepted, while its physical titanium form can be used anywhere Mastercard is accepted. 

Among its best features include its no-fee feature, which promises zero fees, plus no hidden ones! This means that cardholders will get to enjoy zero annual fees, no late fees, no foreign-transaction fees, no over-the-limit fees, no returned-payment fees, no setup fees, no maintenance fees, and no reward-redemption fees. 


You can also get the chance to earn 2% Daily Cash back every time you use your iPhone or Apple Watch to pay with your Apple Credit Card. Since it deals with real cash, you won’t have to worry about it expiring, and it will automatically be deposited onto your card in the Wallet app the same day you made your purchase.

On top of that, the Apple Credit Card also boasts of its incredible security. Specifically, the titanium card bears no visible number. To learn your card number, security code and expiration date, you’ll have to look in the Wallet app on your iPhone.

The Wallet app is equipped with advanced technologies, such as Face ID, Touch ID, and Apple Pay. Apple also claimed that user’s data isn’t shared with third parties, promising better security to cardholders.

How to Apply 

The best thing about Apple Credit Card is it promises fast and easy application to interested individuals. Specifically, to start, you’ll first need to be eligible for the card. This means you’ll need to be 18 years or older, a U.S. citizen or a lawful U.S. resident with a valid, physical U.S. address that is not a P.O. Box.

You must also own a compatible iPhone that is running on the latest iOS version, uses two-factor authentication with your Apple ID, has an iCloud, and doesn’t have a freeze on your credit report.

If you meet all these requirements,head on to their website. You can start your application by signing in to your iCloud with your Apple ID. From there, open the Wallet app on your device and tap the add option. Choose Apple Card and tap Continue. 

You’ll be asked to provide a few personal details. Once done, Tap Agree to accept the Apple Card Terms & Conditions and submit your application. In case your application gets approved, you’ll be provided with an initial credit limit and APR offer. If you think the offer suits you, tap Accept Apple Card.

Apple Credit Card – Fees and Charges

  • Annual fee: 0
  • Late fee: 0
  • Foreign transaction fee: 0
  • Over-the-limit fees: 0
  • Returned-payment fees: 0
  • Setup fees: 0
  • Maintenance fees: 0
  • Reward-redemption fees: 0
Apple Credit Card - No Fees - Not Even Hidden Ones

The Bottom Line

Impressed about the Apple Credit Card? Taking pride in its advanced technologies and impressive simplicity, the card may come as the best choice you have, especially if you’re after the convenience of having a card with zero fees and incredible security.

If you’re interested to know more, don’t hesitate to visit Apple’s website to gt more information.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information