topic Re: Barclay's Apple Rewards Card in Credit Cards

Barclay's Apple Rewards Card

redheadtempe36 — Tue, 22 Oct 2019 00:40:32 GMT

I originally got this card to pay for a new MacBook Pro (0% interest over 18 months). I paid off the Macbook in the 18 months and only have used the card a few times since to keep it active.

As silly as it sounds, I'm almost afraid to use the card even knowing I can pay it off at the end of the month because of the statrospheric APR (like 29%). Plus the rewards are lousy.

I used to get e-mails occasionally from Barclays saying "from 6/1-7/31 use your Apple card and receive a %0 APR for whatver months", so I kept the card, thinking I would eventually get a new iPad/iPhone/whatever.

I haven't gotten one of these promo e-mails in about a year.

Does anyone else have this card? Have you gotten promo e-mails lately? Wondering if the new Sachs card is going to put the kabosh on the APR deals. If so I might has well cancel.

Re: Barclay's Apple Rewards Card

CreditInspired — Tue, 22 Oct 2019 01:19:47 GMT

Call them and ask if they have any offers for you.

Re: Barclay's Apple Rewards Card

Anonymous — Tue, 22 Oct 2019 03:30:46 GMT

IMO this card's day has come and gone. I'd keep it, use it for something small so it doesn't screw with your AAOC and get the new apple card.

Re: Barclay's Apple Rewards Card

SFLSpotter9210 — Tue, 22 Oct 2019 17:01:05 GMT

I have the card and it’s an absolutely garbage bank. Had it for about 2.5 years same CL and if you want a CLI it’s a HP. My scores have gone up since applying. TU is now a 705 and have 4 inquiries and 3 fall off by January 2020. Hopefully Barclays deal ends soon and GS can take over and offer better deals.

Re: Barclay's Apple Rewards Card

MrDisco99 — Tue, 22 Oct 2019 17:22:14 GMT

I'm only hanging on to mine so I can transfer the limit to my Uber card... whenever I'm able to get it.

Otherwise I don't see much use for it. Like you, I used it to get 0% financing on Macbooks for my wife and me, so it's served its purpose.

Re: Barclay's Apple Rewards Card

SFLSpotter9210 — Tue, 22 Oct 2019 17:34:28 GMT

I just got the new 11 pro and used the Apple upgrade financing option 0% with 3% on my Apple Card. It’s 24 month option. In my opinion much better option for me.

Re: Barclay's Apple Rewards Card

redheadtempe36 — Tue, 22 Oct 2019 22:36:16 GMT

Thanks CreditInspired and MrDisco99. I hadn't considered either of those approaches.

I'll keep it (as SACT51 suggests) until time comes to drop some major money with Apple. I'll call about a promo deal before and see what they say. Otherwise I'll probably apply for another Barclays card and just move the CL over.

I could make use of either their AA or Uber card.

Re: Barclay's Apple Rewards Card

slickwidit — Thu, 24 Oct 2019 00:14:02 GMT

I've had this card since 2015 and I've been sitting at 2k limit since I got when I bought my iMac. Even when I used it heavy it never grew. I keep it open because every year I call in and get a interest rate reduction. Currently sitting at 19%. Card is useless for me but I keep it in the sock drawer.

Re: Barclay's Apple Rewards Card

Anonymous — Thu, 24 Oct 2019 18:12:44 GMT

I also got the card to finance my Macbook Pro for 18m 0% about 2 years ago - paid off in a year.

BUT

I was looking at Apple Watches for Xmas and on the Apple.com site just yeasterday - it listed 2 Apple Card payment types -

1) New Apple Card and get 3% cash back

2) Barclays Apple Card for 0%

https://www.apple.com/shop/browse/financing

If you want 0% on an Apple purchase - it was always available on the Barclay's card everytime I have looked. Not as knowledgeable on the new Apple Card as far as when 0% promos are available . . . . .

Re: Barclay's Apple Rewards Card

redheadtempe36 — Wed, 20 Nov 2019 12:05:17 GMT

Well for those of you with this card, check your e-mail. Up to 24 months 0% deferred (not 0% interest per se) interest starting 11/20. Might get the new 16 inch MBP. I don't know if I was targeted or is it everyone.

Re: Barclay's Apple Rewards Card

MrDisco99 — Wed, 20 Nov 2019 15:53:57 GMT

DW had an iPad on her Christmas list, so I called Barclay's to see if I could get a deferred interest offer. I hadn't received any emails recently. They offered 12 months for $500-999.

I get the impression if you call and ask they'll extend an offer, assuming the account is in good standing. No need to wait for an email.

Also, don't forget you get 3% back on Apple purchases. Redemption is in the form of gift cards, which is essentially store credit, but it's something. I had $75 in gift cards from the last time which I was able to use towards this purchase, and I'm getting $25 now which I can use towards the next.

It might be worth keeping this card around after all.

Re: Barclay's Apple Rewards Card

VPExecutive — Thu, 21 Nov 2019 01:49:04 GMT

@MrDisco99 wrote:
DW had an iPad on her Christmas list, so I called Barclay's to see if I could get a deferred interest offer. I hadn't received any emails recently. They offered 12 months for $500-999.

I get the impression if you call and ask they'll extend an offer, assuming the account is in good standing. No need to wait for an email.

Also, don't forget you get 3% back on Apple purchases. Redemption is in the form of gift cards, which is essentially store credit, but it's something. I had $75 in gift cards from the last time which I was able to use towards this purchase, and I'm getting $25 now which I can use towards the next.

It might be worth keeping this card around after all.

You get 3% cash back on Apple Purchases with the GS Apple Card and they'll be offering special financing in the future. What exactly makes the Barclays Apple Card worth it?

Re: Barclay's Apple Rewards Card

Anonymous — Thu, 21 Nov 2019 02:20:33 GMT

@VPExecutive wrote:
@MrDisco99 wrote:
DW had an iPad on her Christmas list, so I called Barclay's to see if I could get a deferred interest offer. I hadn't received any emails recently. They offered 12 months for $500-999.

I get the impression if you call and ask they'll extend an offer, assuming the account is in good standing. No need to wait for an email.

Also, don't forget you get 3% back on Apple purchases. Redemption is in the form of gift cards, which is essentially store credit, but it's something. I had $75 in gift cards from the last time which I was able to use towards this purchase, and I'm getting $25 now which I can use towards the next.

It might be worth keeping this card around after all.

You get 3% cash back on Apple Purchases with the GS Apple Card and they'll be offering special financing in the future. What exactly makes the Barclays Apple Card worth it?

As it stands right now, the Barclays card is still going to be the card for other Apple products. The only Apple Card financing that has been talked about so far is financing iPhones next month. It's anyone's guess if/when they will roll out additional financing offers.

Re: Barclay's Apple Rewards Card

ggmorning — Thu, 21 Nov 2019 06:06:07 GMT

I worked for Apple for a few years, and something I'd always tell the customers with Apple Barclays cards to do was call the number on the back and see if they could extend the no interest offer to them again. Never saw a customer get denied. I'd say the only real benefit to the card is when you want to make those big 0% APR Apple purchases. Otherwise, just keep it open and sock drawer it.

Re: Barclay's Apple Rewards Card

MrDisco99 — Thu, 21 Nov 2019 15:23:44 GMT

@VPExecutive wrote:
You get 3% cash back on Apple Purchases with the GS Apple Card and they'll be offering special financing in the future. What exactly makes the Barclays Apple Card worth it?

The Barclays card offers special financing now.

Re: Barclay's Apple Rewards Card

VPExecutive — Fri, 22 Nov 2019 00:25:47 GMT

@MrDisco99 wrote:
@VPExecutive wrote:
You get 3% cash back on Apple Purchases with the GS Apple Card and they'll be offering special financing in the future. What exactly makes the Barclays Apple Card worth it?
The Barclays card offers special financing now.

You can get a lot of cards if you want 0% financing... A great example is the DiscoverIt Miles... 3% back the first year and 12+ months of 0% financing without having to deal with Barclays. The Barclays Apple Card in it's current state is useless.

Re: Barclay's Apple Rewards Card

redheadtempe36 — Wed, 18 Dec 2019 15:38:09 GMT

So to bring up an old thread with a different question ....

I did get the new 16 inch Macbook and Barclays gave me 24 months of 0% and enough points to get $75 credit on iTunes.

Here's my question. I traded in my old MacBook through Apple's recycling "partner" and received a credit back of about $1000 on my Barclays card. I know not a lot of people have this card, but does Barclays typically claw back points when there are returns on their cards? I know in the terms they say they will, but do they?

I ask because they have not yet and it has been almost 60 days.

Re: Barclay's Apple Rewards Card

VPExecutive — Wed, 18 Dec 2019 17:56:51 GMT

@redheadtempe36 wrote:
So to bring up an old thread with a different question ....

I did get the new 16 inch Macbook and Barclays gave me 24 months of 0% and enough points to get $75 credit on iTunes.

Here's my question. I traded in my old MacBook through Apple's recycling "partner" and received a credit back of about $1000 on my Barclays card. I know not a lot of people have this card, but does Barclays typically claw back points when there are returns on their cards? I know in the terms they say they will, but do they?

I ask because they have not yet and it has been almost 60 days.

Did you trade in store or online?

Re: Barclay's Apple Rewards Card

MrDisco99 — Wed, 18 Dec 2019 19:32:30 GMT

@VPExecutive wrote:
@MrDisco99 wrote:
@VPExecutive wrote:
You get 3% cash back on Apple Purchases with the GS Apple Card and they'll be offering special financing in the future. What exactly makes the Barclays Apple Card worth it?
The Barclays card offers special financing now.
You can get a lot of cards if you want 0% financing... A great example is the DiscoverIt Miles... 3% back the first year and 12+ months of 0% financing without having to deal with Barclays. The Barclays Apple Card in it's current state is useless.

But I already have the Barclays card. And they offered 24 months. And their 3% doesn't expire.

Why would I app for a new card to get benefits I already have?

Re: Barclay's Apple Rewards Card

MrDisco99 — Wed, 18 Dec 2019 19:30:19 GMT

@redheadtempe36 wrote:
So to bring up an old thread with a different question ....

I did get the new 16 inch Macbook and Barclays gave me 24 months of 0% and enough points to get $75 credit on iTunes.

Here's my question. I traded in my old MacBook through Apple's recycling "partner" and received a credit back of about $1000 on my Barclays card. I know not a lot of people have this card, but does Barclays typically claw back points when there are returns on their cards? I know in the terms they say they will, but do they?

I ask because they have not yet and it has been almost 60 days.

I returned part of my latest purchase on the Barclays card (didn't need an extra cover) and they clawed back the points. This was after they sent me a gift card clearing out my points balance. I now have a negative points balance as a result.