{"id":181892,"date":"2019-03-26T17:45:14","date_gmt":"2019-03-26T17:45:14","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=181892"},"modified":"2026-08-20T13:44:47","modified_gmt":"2026-08-20T12:44:47","slug":"apple","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/apple","title":{"rendered":"When is the Apple Card credit card coming to the UK?"},"content":{"rendered":"

If the announcement of the new Apple Card intrigued you, you\u2019ll want to know if it\u2019s a good deal and when it\u2019s coming to the UK. Here\u2019s all we know about it.<\/p>

The card launched in the US in mid-2019, but there\u2019s still very little known about a potential UK counterpart launching. <\/p>

In more recent developments, in 2022 Apple bought Credit Kudos<\/a>, a UK open banking startup which helps lenders decide how risky it would be to offer somebody credit, by analysing their day-to-day banking habits. Then in July 2023, it was reported that Goldman Sachs, Apple\u2019s banking partner for the card, was seeking a way out of the partnership<\/a>.<\/p>

These two developments may suggest Apple is aiming to build up its own capabilities, so that it can run this card without outside help. In our opinion this probably means a UK launch isn\u2019t on the, erm, cards just yet.<\/p>

We\u2019ll keep this page updated as and when more news comes in. If you don\u2019t want to wait, you can check out the cashback credit cards<\/a> that are<\/em> currently available on the UK market.<\/p>

How does Apple Card work?<\/h3>

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

  • A close link to Apple Pay.<\/strong> 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.<\/li>
  • A very basic physical card.<\/strong> So that consumers can make purchases even at shops that don\u2019t 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\u2019t even include the card number or the cardholder\u2019s signature. It will simply work through a chip that will connect it to the Apple Wallet app.<\/li>
  • Cashback on all purchases.<\/strong> 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 and selected merchants (Nike, Uber, Adidas, etc.), 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.<\/li>
  • Budgeting features.<\/strong> 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.<\/li><\/ul>

    How much does Apple Card cost?<\/h3>

    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.<\/p>

    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\u2019t know yet if Apple will be able to offer the same conditions here.<\/p>

    We also don\u2019t know which interest rate Apple will offer to cardholders who don\u2019t pay off their bill every month, which is quite relevant when comparing credit card deals.<\/p>