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Barclaycard Visa® with Apple Rewards

 /  3 min
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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for and how we rate our cards. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.



Bankrate rating
Rating: 4.1 stars out of 5
Image of Barclaycard Visa® with Apple Rewards

Barclaycard Visa® with Apple Rewards

Rating: 4.1 stars out of 5
Bankrate score


Purchase intro APR

13.99%, 19.99% or 26.99% variable based on your creditworthiness.

Regular APR


Intro offer


1X - 3X

Rewards rate



Annual fee

Barclaycard Visa® with Apple Rewards overview

The Barclaycard Visa with Apple Rewards is Apple’s version of a store card. With this card you can earn rewards towards future Apple or iTunes products and take advantage of a one-time financing option to make a sizable purchase when you open the account. If you’re tempted by the thought of owning an iPhone X, but find the $1,000 price tag unpalatable, this card could help you pay it off over time without accruing extra interest.

A deeper look into the current card offer

Quick highlights

  • Rewards rate: Earn 3 points for every $1 spent at Apple Earn 2 points for every $1 spent at restaurants. Earn 1 point for every $1 spent on all other purchases.
  • Annual fee: $0
  • Intro bonus: N/A
  • Regular APR: 13.99%, 19.99% or 26.99% variable based on your creditworthiness.


The Barclaycard Visa with Apple Rewards offers a one-time 0 percent interest financing deal with a term based on how much you’re spending. Purchases of $1,499 and higher will receive 24 months interest free, purchases of $999 to less than $1,499 will receive 18 months interest free, purchases of $499 to less than $999 will get 12 months, and $499 or less will have six months without interest charges.

Although this may seem like a great deal if you’re longing for a new laptop or you’ve been yearning for the latest iPhone, at Bankrate we don’t look favorably upon a credit card offer that encourages you to spend beyond your means.

In the long term, the main thing you need to consider is how much money you spend every year on Apple products. You’ll earn 3 points for every $1 spent at Apple Stores,, iTunes, or via phone by calling 1-800-MY-APPLE. With this card you’ll also earn 2 points for every $1 in net restaurants, and 1 point per $1 on all other purchases.

For every 2,500 points you earn, you’ll automatically receive your choice of either a $25 Apple gift card or a $25 iTunes gift card. This is a just-OK rewards system that’s truly designed for the Apple enthusiast.

Additionally, the terms and conditions state that if you don’t use the card for six months, you may not be eligible to earn rewards when you use it again. This is another example of potentially encouraging unnecessary spending and it raises a big red flag to us.

If you have great credit, you can qualify for 13.99 percent APR; not bad compared to the average variable APR, which hovers between 16 percent and 17 percent. But if your credit isn’t that great, you’ll either get an APR of 19.99 percent or an even worse 26.99 percent. If you carry a balance with this card, especially at one of the higher interest rates, it will far outweigh the benefits of the rewards.

We don’t think the rewards structure of this card or the intro financing offer is worth it. You’d be better off with a cash-back card that also has an introductory 0 percent APR offer — or a rewards card like the Prime Visa, which pays 5 percent back on eligible purchases made on, including Apple products.

Who should get this card

Someone who uses iTunes and buys Apple products frequently throughout the year may benefit from the rewards structure of this card.

Fees and APR

  • There’s no annual fee to own this card.
  • This card has a variable APR on purchases and balance transfers of 13.99 percent to 26.99 percent, depending on your creditworthiness.
  • There’s an introductory 0 percent APR offer on purchases made within 30 days of opening the account. The length of the offer ranges from 6 to 18 months depending on how much you spend.
  • There’s a balance transfer fee of of either $5 or 3 percent of the amount being transferred, whichever is greater.
  • Foreign transactions will be charged a 3 percent fee.
  • Late payments won’t affect your APR but you may be subject to a penalty fee of up to $37.

Extras, perks and using points

Points are automatically redeemed when you accumulate 2,500. A $25 Apple or iTunes gift card will be mailed to you either electronically or via mail, depending on which you chose at sign-up. There is no fee to redeem your points and they do not expire as long as your account is in good standing.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.