*Variable APRs for Apple Card range from 18.24% to 28.49% based on creditworthiness. Rates as of January 1, 2025. Existing customers can view their variable APR in the Wallet app or card.apple.com.

The card charges an annual fee and a monthly fee that can add up to more than $200 per year. Even if you have bad credit, you can get a card that doesn’t cost a cent in fees.