Where Can I Use the Barclaycard Financing Visa? You can use this card anywhere Visa credit cards are accepted, which is pretty much everywhere. But it will be best to only use this card for big purchases at Apple, rather than for general spending.
Apple reports that you're "more likely to be approved" for their Barclaycard credit card with a score of 640 or higher. There are user reports of being approved with a score as low as 600. Ensuring your revolving balances are low and that you have less than six inquiries will help.
Summary. The Apple Card is a good cash back card if you are an avid Apple user. If you want a new way of using a credit card, this is the way to go. If you have other goals, such as travel or earning credit card points, this may not be the card for you.
» This card is no longer available
The Apple Card, a different card issued by Goldman Sachs, also offers special financing for Apple products. In 2021, Barclays announced that holders of the Barclaycard Financing Visa® would be moved to a new version, the Barclays Financing Mastercard.
If you don't activate your Barclaycard, your account will still be active, but you won't be able to use your card to make purchases or withdraw cash.
Points don't expire as long as your account remains open and in good standing. The only way to redeem your points is for purchases made within the Apple ecosystem. When you sign up, you can choose whether to receive your rewards as an Apple gift card or iTunes gift card.
Barclaycard works almost exclusively with TransUnion, so that report is the one to focus on. Ideally, anything you do to improve your credit score with one bureau will improve your score will every bureau.
Barclays pulls TU and the Apple card seems to be the easiest to be approved for, but you might get sub-prime limits.
All Barclays credit cards require a minimum of good or excellent credit. ... The average credit score is below 700, and you need to be above that mark for good Barclays approval odds. A credit score of at least 700 isn't the only thing you need to get a Barclaycard, though.
Goldman Sachs will need your credit history with Apple Card to inform any request for credit limit increases on Apple Card. This can take six months or more. You must call (1-877-255-5923) or message Goldman Sachs to request a credit limit increase.
Usually, when two or more people use the same credit card, the primary account holder receives the benefit of building a credit history, while anyone else using the card does not. “Apple Card Family lets people build their credit history together,” the company said.
Apple Card Pros & Cons
| Pros | Cons |
|---|---|
| Strong security features No fees Physical credit card available Various spending management features | Must use Apple Pay for the best rewards earnings |
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