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

On 25 March 2019, Apple unveiled plans to launch its first credit card, to be used together with Apple Pay. Since August the card has been available in the US. While a UK launch date has yet to be announced, it's expected this autumn.

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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

Table: sorted by representative APR, promoted deals first
Updated October 23rd, 2019
Name Product Annual/monthly fees Purchases Rep. APR Cashback details Representative example
£0
22.9%
22.9%
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
£25 per annum
22.9%
28.2%
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
£0
18.9%
18.9%
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).
£0
18.9%
18.9%
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
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).
£0
19.9%
19.9%
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).
£3 per month
0% for 26 months reverting to 15.9%
21.7%
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 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
£0
22.9%
22.9%
0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Cashback on purchases until 31.8.23. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
£0
34.95%
34.9%
0.5% on £1 to £20000 of yearly spend. Maximum of £100 cashback paid per year. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is £20000
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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