As of today, the Apple Card’s annual percentage rate (APR) is a variable rate tied to the U.S. prime rate, typically ranging from approximately 13.24% to 26.24% for eligible users—this range reflects the card’s APR tiers based on individual creditworthiness, with higher credit scores qualifying for lower rates.
Your specific Apple Card rate today depends on several factors, most notably your credit score (excellent scores often land you in the lower end of the range, while fair scores may fall closer to the higher end) and current market conditions, as the prime rate (a benchmark used by many lenders) adjusts in response to Federal Reserve policy changes.
It’s important to note that the Apple Card’s regular APR applies to unpaid balances carried beyond the grace period; if you opt for Apple Card Monthly Installments for eligible purchases, you may qualify for 0% APR financing over set terms, which is separate from the card’s standard variable rate—you can check your exact current rate anytime via the Wallet app on your Apple device.
Additionally, late payments or other account issues could trigger a penalty APR, which may be higher than your regular rate, so maintaining on-time payments is key to keeping your Apple Card rate stable and favorable.