Barclaycard Visa® with Apple Rewards

  • Finance purchases made at Apple within the first 30 days of account opening.
  • Promo period: 6 months: under $498, 12 months: $499 - $998, 18 months: $999 and over
  • Get 3 points for every $1 spent at the Apple Store, 2 points at restaurants, and 1 point on all other purchases. Earn 2,500 points, get a $25 Apple Store Gift Card.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit, Good Credit Personal $0* N/A* N/A* 13.99%* - 26.99%* Store Specific


Quick Summary:
This is a Visa rewards card, issued by Barclaycard®. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 13.99%* and may be as high as 26.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO credit score of 686 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Barclaycard® product.

Other Basics:
The grace period listed for the Barclaycard Visa® with Apple Rewards is at least 23 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
There were 22 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 77% of those applicants were approved.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 686, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 8 users recommend this card.

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