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Apple Barclaycard Credit Card Review in 2023

Oct 15, 2023 By Susan Kelly

There are many cards on the market that offer low interest rates, good welcome rewards, etc., to entice their consumer base. So, it all depends on what you are looking for and the benefits of any of these cards.

So, if you are looking for something that helps you get a rebate on expensive Apple products, Apple Barclaycard is the one for you. Let's discuss why it is a good option and whether the Barclays Apple card is supported anymore.

Benefits and Rewards

While there are other added benefits, the prime reason for most to buy the Barclaycard for Apple products is to buy and save with Apple products. The prime ones are based on purchasing within the first 30 days after you open an account:

  • Buying an Apple product under $499 gives you great financing for six months.
  • For the purchase above $499 and below $998, you can bag an excellent deal for 12 months.
  • Anything between $999 to $1,499 of Apple purchases, getting you a perfect deal for 18 months of financing.
  • Finally, for anything above $1,499, you have massive 24-month financing deals.
  • All of these financing options and deals start with a minimum of 0% interest and added benefits.
  • When you use the Barclaycard for Apple product purchases, you often receive an extended warranty.
  • Barclaycard for Apple products typically does not have an annual fee, making it a cost-effective choice for Apple enthusiasts.

Some might think that’s all your rewards for Barclays and Apple cards, but that is not it. You earn and save points for every purchase or transaction made, whether it's an Apple product or your regular everyday shopping.

So, get twice the points when you are eating out in restaurants. But again, as this is an Apple Barclaycard, you get three times the points if it is a purchase at an Apple store. The three times also works for everything you buy, even at iTunes or App Store, so 3 points for every dollar you spend this way using this card.

That's not all; once your points score has reached 2,500 points, you can choose between 2 gift cards. One is a $25 Apple gift card, and the other option is to choose the same amount but for an iTunes gift card.

Downsides of Apple Barclaycard

Here are some cons of using this card:

No Amazing Side Perks

The above options are only available with this Apple Barclaycard card, so don’t get your hopes up and don’t get any exclusive deals. For example, you won't have any benefits to make presale deals or get a discount for one of their events. So, all in all, no such thing as free Apple coupons.

However, if you do have a higher credit score, you can upgrade this card to the Visa Signature version. More details can be found on their website.

Not So Lucrative for Daily User

Unfortunately, this card is only suitable for Apple enthusiasts and doesn’t bode well for daily shopping. However, there are many rewards and benefits if you buy only Apple products and then some; other than that, there are many better options.

How is Apple Card Different?

Both don’t have annual fees, but the earning points are stacked differently. While you get different points per dollar spent on Apple Barclaycard if it's on Apple stones and other things, here is Apple Card's earning overview.

  • If you make direct purchases with an Apple Card, you get 3% cashback, or it is added to your rewards.
  • If you use it for Apple Pay, you get 2% earnings.
  • For every other purchase through this card, like eating at a restaurant or grocery shopping, you only get 1% earnings.

Both cards don't have 0% interest for the introductory period; on Apple Barclaycard, you have to pay a 3% fee for any foreign transaction. But when it comes to transferring your rewards, with this card, you cannot transfer your points to hotels and other benefits. You also get cash return from the cashback if you use an Apple card.

Quick FAQs

Where Can You Use Apple Barclaycard?

As it is a visa card, you can use it anywhere visa cards are accepted, and that's virtually everywhere these days. However, you would still use it sparingly as it is much better suited for Apple stores and products.

What Score Do You Need for Apple Barclaycard?

If you have a 640 credit score or anything higher, there is a high chance that you will get approved. According to many of its customers, they have also been approved for their 600 credit score. We recommend having as little revolving balance as possible to get easily approved.

Is it Worth it?

It is highly recommended for people used to the Apple eco-system who also want their families to become part of it. But if you are not using any Apple products, then you may not have a good use for this product.

The Final Comment

If you are living with the Apple eco-system and not just for you but for your family, then it has some sweet deals to rack up rewards. Plus, paying no annual fees does look good in the long run. They are also suitable for regular usage scenarios, such as going to restaurants to collect great reward speed.

But for everyone else who isn’t a part of anything Apple, you have much better and numerous other cards that can do better.

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