Apple Card

Apple Card Reviews

Cash-back card

Most customers like the clean app, daily cash back, extra cash back on Apple Pay and no foreign transaction fees, and many use it mainly for interest-free Apple device financing.

82Signal
58% positive
191reviews
How the signal works
The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

Updated 9 NovCompare with Citi Double Cash

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What people mention

Often liked

Great rewards3

Common concerns

Poor support15

Topics grouped from customer reviews, with how many mention each; read the originals below.

Real customer experiences (191)

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Showing 22 reviews mentioning poor support Show all

Reddit · r/CreditCards · Oct 28, 2026

Negative

Summary of a Reddit post

Got the card for no foreign fees and 3% at Exxon Mobil, but a recent Mobil app payment earned only 1%; support said it was ineligible without a clear reason, and they have since closed the card.

Reddit · r/CreditCards · Jun 21, 2026

Negative

Summary of a Reddit comment

Took seven dispute attempts to get a partial refund of fraud.

Reddit · r/CreditCards · Jun 5, 2026

Negative

Summary of a Reddit comment

Had a very hard time getting a small fraudulent charge reversed.

Reddit · r/CreditCards · Jun 4, 2026

Negative

Summary of a Reddit comment

Reporting fraud led to a new card number that hindered finding the charges.

Reddit · r/CreditCards · Sep 4, 2025

Negative

Summary of a Reddit comment

Closed the card after days of waiting in queues for a fraud case.

Reddit · r/CreditCards · Jan 16, 2025

Mixed

Summary of a Reddit comment

Likes the UI and 0% financing; dislikes the 1% physical card and Goldman service.

Reddit · r/CreditCards · Jan 16, 2025

Negative

Summary of a Reddit comment

A fraudulent charge reappeared three times over eight months, needing repeated cases.

Reddit · r/CreditCards · Jun 8, 2026

Negative

Summary of a Reddit comment

Rarely uses it because Goldman Sachs is terrible to deal with.

Reddit · r/CreditCards · Dec 30, 2025

Negative

Summary of a Reddit comment

Three disputes failed to resolve and support was mostly AI.

Reddit · r/CreditCards · Dec 25, 2025

Negative

Summary of a Reddit comment

Support is poor, including after a fraud incident.

Reddit · r/CreditCards · Sep 4, 2025

Negative

Summary of a Reddit comment

Only uses it for Apple purchases after fraud still had to be paid.

Reddit · r/CreditCards · Jun 12, 2025

Negative

Summary of a Reddit comment

Dispute denied three times even with a police report.

Reddit · r/CreditCards · Jun 12, 2025

Negative

Summary of a Reddit comment

Charged for a device they never purchased.

Reddit · r/personalfinance · Apr 18, 2025

Negative

Summary of a Reddit comment

Physical card never worked abroad and support could not resolve it.

Reddit · r/CreditCards · Mar 31, 2025

Negative

Summary of a Reddit comment

Terrible dispute process despite undeniable evidence.

Reddit · r/CreditCards · Jul 17, 2024

Mixed

Summary of a Reddit comment

Card was closed by mistake; Goldman paid $250 and let them reopen.

Reddit · r/CreditCards · Aug 30, 2023

Negative

Summary of a Reddit comment

Cancelling took two hours and several transfers.

Reddit · r/CreditCards · Dec 31, 2022

Negative

Summary of a Reddit comment

Customer service was clueless about a second Apple ID problem.

Reddit · r/CreditCards · Nov 3, 2022

Negative

Summary of a Reddit comment

Good for a year, then regretted it after a merchant dispute.

Reddit · r/CreditCards · Aug 3, 2021

Mixed

Summary of a Reddit comment

Likes the cash back but heard Goldman support is poor.

Reddit · r/CreditCards · Aug 15, 2024

Negative

Summary of a Reddit comment

Had to fight with support to get the sign-up bonus.

Common questions about Apple Card

What do customers say about Apple Card?

Most customers like the clean app, daily cash back, extra cash back on Apple Pay and no foreign transaction fees, and many use it mainly for interest-free Apple device financing. The physical card earns less, and some find it thin on benefits. Fraud and dispute handling through Goldman Sachs frustrated a number of customers.

Is Apple Card worth it?

Of the 191 reviews with a clear verdict, 58% are positive, 25% mixed and 18% negative. The praise mentioned most is great rewards. The most common complaint is poor support.

What do people like about Apple Card?

The praise reviewers mention most: great rewards (3 reviews), great travel perks (2 reviews) and easy to use (1 review). For example: Has begun using the Apple Card for most purchases with Daily Cash flowing into the Apple savings account, and tracks the small amounts in their budget.

What are the most common complaints about Apple Card?

The complaints reviewers mention most: poor support (15 reviews) and hidden fees (1 review). For example: A fraudulent charge reappeared three times over eight months, needing repeated cases.

What does the signal score of 82 mean?

It's how well reviewed Apple Card is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.

What are the specs of Apple Card?

Category: Cash-back card. Type: Cash-back credit card. Fees: No annual, over-the-limit, foreign-transaction or late fees. Rates & rewards: 3% Daily Cash at Apple.

Where do these Apple Card reviews come from?

191 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.

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