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Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn $75 after making a purchase within the first 30 days.

Bonus Value

Approximately $75

Annual Fee

$0

Card Rewards

3% cash back on purchases from Apple, Duane Read, Exxon Mobil, Nike, T Mobile, Uber, UberEats, and Walgreens

2% cash back on all purchases made with Apple Pay

1% cash back on all other purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: March 11, 2024 | Credit Card Review
Card Overview

Like everything Apple, they re-thought cards from bottom up. The ease of signing up is remarkable. Get categorized spending with the colors of your card changing according to your spending. The Apple Card is a awesome card for someone that is an Apple fan or tech lover.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • You must have a compatible iPhone: You must own a compatible iPhone with the latest iOS version
  • Credit bureau: Goldman Sachs Bank will usually pull your Transunion credit report (some times only a soft pull)
  • Does not report to Equifax: Apple card only reports payment history to Experian and Transunion, not Equifax
  • Check application status: To check application status you can check your Wallet app that will indicate your application is in review
  • Account updates: Updates regarding your Apple Card application will be sent to the primary email address associated with your Apple ID
  • Reconsideration: If declined due to identity verification issues you can contact Apple Support
  • Quickest way to get my card: Your new card will be available in your Apple wallet immediately after you get approved. The Apple titanium physical credit card cannot be expedited

Approval Monitor (submitted by HelpMeBuildCredit users)

89% Approved
727 Avg. Score of those approved
11% Denied
Approved 89% (68)
Denied 11% (8)

Credit limit range $250-$20,000

Avg. Credit limit$4,864

Approved 89% (68)
Denied 11% (8)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Card Details And Benefits
Get Started Card not affiliated
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Savor Rewards

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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