The Apple is a personal credit card from Apple. The annual fee is No annual fees.. The ongoing APR is Variable APRs for Apple Card range from 17.49% to 27.74% based on creditworthiness.. Approval typically requires a credit score of 600 or higher. Rewards: Get 2% Daily Cash back when you use Apple Card with Apple Pay. Get 3% Daily Cash back at Apple and at select merchants when you use Apple Pay.. Cash back: Daily cash back rewards.. Typical credit limit: Varies based on creditworthiness. This product reports activity to your personal credit report. No fees, including late fees. Apple Card uses soft pull for pre-qualification; hard pull only after you accept the offer. | EXPERT REFERENCE (Dec 2025): Credit bureau: TransUnion | EXPERT REFERENCE (Dec 2025): Approval flow: Soft pull first, decision with credit limit shown before acceptance | EXPERT REFERENCE (Dec 2025): Availability: Nationwide | EXPERT REFERENCE (Mar 2026): Credit bureau: TransUnion | EXPERT REFERENCE (Mar 2026): Approval flow: Soft pull first, decision with credit limit shown before acceptance | EXPERT REFERENCE (Mar 2026): Availability: Nationwide