When is the Apple Card credit card coming to the UK?

If the announcement of the new Apple Card has intrigued you, you’ll want to know if it’s a good deal and when it’s coming to the UK. Here’s all we know about it.

The card launched in the US in mid-2019. Some of its features are already clear, but there’s still much we don’t know about the UK counterpart. We’ll update the page as soon as more news comes in. Plus, if you don’t want to wait, you can check out the cashback credit cards that are currently available on the UK market.

How does Apple Card work?

Apple Card looks similar to your average credit card, but has some differences. Its main features will be:

• A close link to Apple Pay. Apple Card is clearly built as an extension of Apple Pay, through which consumers can apply for the card, manage it, make payments online and in physical stores and see all the transactions.
• A very basic physical card. So that consumers can make purchases even at shops that don’t accept Apple Pay. Made of titanium (trust Apple to come up with some fancy way of making its products exclusive), the card will have an essential design that won’t even include the card number or the cardholder’s signature. It will simply work through a chip that will connect it to the Apple Wallet app.
• Cashback on all purchases. The percentage depends on how you use the card: 2% via Apple Pay, 1% via the physical card and 3% for all purchases on the Apple Store, which confirms that Apple wants cardholders to use the physical card as little as possible. Unlike with many other cards, the cashback will be paid to cardholders daily.
• Budgeting features. Apple will also track and categorise all spending, allowing the cardholder to see where they spend the most and providing monthly reports to help them be more organised with their money.

How much does Apple Card cost?

Apple Card is being advertised as fee-free: Apple said there will be no annual fee, no fee to use it abroad and no fee if you go over the credit limit.

Sounds too good to be true? For the UK, it may very well be. The UK credit card market is very different from the US market and we don’t know yet if Apple will be able to offer the same conditions here.

We also don’t know which interest rate Apple will offer to cardholders who don’t pay off their bill every month, which is quite relevant when comparing credit card deals.

When will Apple Card be available in the UK?

Apple Card was made available in the US from the 20th August, but the tech giant hasn’t said anything about the rest of the world. It’s likely that it’ll arrive in the UK at some point soon, we just don’t know when.

When it does launch, it may also have different features from the ones that are currently being advertised in the US. The 2% cashback on all purchases, for example, may be hard to maintain in the UK market, where a different card merchant fee regime is in place.

We’ll update this page as soon as plans for the UK are announced.

Will Apple Card work if I don’t have an iPhone?

The short answer is no. As we said, Apple Card is tied to Apple Pay and doesn’t work without it.

Given Apple’s record of building devices that are only compatible with one another, it’s unlikely things will change in the future. In a nutshell, don’t hold your breath while you wait for Apple Card to become available on Android.

Compare cashback credit cards

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Name	Product	Ratings	Finder rating	Customer rating	Max. intro bonus	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Santander All in One Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	0.5%	£3 per month	27.7% APR (variable)	Check eligibility Read review	0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£100	1%	£0	29.7% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£125	1.25%	£25 per annum	35.3% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 35.3% APR (variable).	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)		Not yet rated	Not yet rated	Not yet rated	N/A	0.25%	£0	APR (variable)	Read review	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year	If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Compare	loading Fetching your data...
MBNA Limited Platinum Visa		User survey ★★★★★	Not yet rated	★★★★★ User rating	N/A	0.25%	£0	12.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
AIB Options 1 Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£25	0.5%	£0	18.9% APR (variable)	Read review	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
smile Classic Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	N/A	0.25%	£0	19.9% APR (variable)	Read review	0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax Cashback Credit Card Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£20	0.5%	£0	22.9% APR (variable)	Read review	0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Rewards Visa		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	0.5% of all spend in first 3 months	0.25%	£0	25.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a., your representative rate is 25.9% APR (variable).	Compare	loading Fetching your data...
Vitality American Express® Credit Card (Vitality Members only) Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	0.5%	£0 (but £4.75 fee for the Vitality programme)	45.4% APR (variable)	Read review	0.5% on £1 to £10,000 of yearly spend and 1% thereafter. Paid on anniversary. Must spend £3,000 annually to earn cashback. Earn up to 2% additional cashback on first £1,000 spend each month based on Vitality products held and monthly activity points earned. New cardmember offer: earn £100 statement credit when £2,000 spent in first three months.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £6.5 per month, your representative rate is 45.4% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	N/A	0.5%	£15 per month	49.8% APR (variable)	Read review	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.0.5% cashback on monthly spend of up to £3,000. Access to over 1 million Wi-Fi hotspots, no foreign transaction fees, discount on travel insurance.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Compare	loading Fetching your data...

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