Barclaycard Visa with Apple Rewards Review Bankrate Main Menu Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Banking Compare Accounts Use calculators Get advice Bank reviews Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Loans Personal Loans Student Loans Auto Loans Loan calculators Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Home equity Get the best rates Lender reviews Use calculators Knowledge base Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Real estate Selling a home Buying a home Finding the right agent Additional resources Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Insurance Car insurance Homeowners insurance Other insurance Company reviews Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Looking for the perfect credit card? Narrow your search with CardMatch Advertiser Disclosure

Barclaycard Visa with Apple Rewards

Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. 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 Logo

Why you can trust Bankrate

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Bankrate Logo

Editorial Integrity

Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate Logo

How We Make Money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate Logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

ON THIS PAGE

PREV NEXT

Snapshot

4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon

Barclaycard Visa® with Apple Rewards

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 Intro offer Intro offer is not available to this Barclays credit card Regular APR

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.

Review

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 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, apple.com, 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 , 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 Amazon Prime Rewards Visa Signature Card, which pays 5 percent back on all purchases made on Amazon.com, 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 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.

ON THIS PAGE

Advertiser Disclosure

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * 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.