My Apple Card has been incredible this far. I've used it to finance 2 of my IPhones and put a few hundred dollars on it every month (and PIF). GS started me out at 7.5CL and I've increased it to $11K.
I'm just anxious to see if GS sells the card off to Amex as hopefully that will make the transition to Amex a bit smoother when I get to 5 yrs, 1 month from my BK7. Always nice to have a relationship with a future lender!
And yes, you get 3% on all Apple purchases. This was a selling point when I knew I was going to get MacBooks and AirPods for family at Xmas.
@AfroPope wrote:Hi folks,
Trying to see if this is the right move for me.
Right now I've got 3 cash-back credit cards, which I pay off entirely every month. I think I also have one or two store credit cards (Google Store and Samsung? Maybe?) But the newest of those was opened in 2019 and I can't remember when I last used them or what their limits are. The total credit limit on those three cards that I do use regularly is right under $40,000, which frankly is a bonkers amount of money for me to be trusted with access to. My FICO right now last I checked via Experian is hovering around 781.
Minus my student loans, I have no other debt (personal loans, auto loans, medical debt, etc). I do plan to buy a house at some point next year assuming a more favorable market in my area (a man can dream).
I am in the market for a new Mac as my PC that I use for freelance work has finally bitten the dust after a decade. I usually finance my iPhones through my carrier. I'm currently using an iPhone 11, so I'm planning to upgrade this year - is there a benefit to me opening an Apple Card for the 0% interest and on the new Mac and the iPhone in a few months? Do I also get 3% cash back on those, in addition to the 0% financing?
I would not be using the card for anything else unless they do one of those crazy "10% cash back on everything via Apple Pay this weekend" things.
Is there anything I need to be aware of that I am not considering? Do I understand the financing and interest correctly? Is it worth it for this purpose?
As an aside, my credit file is currently frozen - if I do choose to apply, which agency does Apple check? I'd like to make sure to unfreeze it beforehand. Just weighing my options.
Cheers!
If you are planning a mortgage make sure not to apply for any other credit at least 120 days before the mortgage application unless you like preparing explanation letters. I didn't need to myself but I still had to fill out a form and ackowlege that a new account was opened. I think this is one of those things that varies by lender or perhaps because since I have a VA loan it won't ultimately end up underwritten by Freddie/Fannie but I'm not sure exactly. But anyway for traditional lending it's best to have as much time as possible between general credit apps and the mortgage app just in case. In my case I applied for (and was approved for) a credit card then applied for the mortgage later that night...I don't advise doing it just to be safe.
8/8/25
2/16/26Thanks for the insight, y'all.
Just to clarify, if I am buying a home it will be next winter, unless I somehow hit the jackpot and then I'm not worried about any of this. 
Right now all of my savings are going towards a down payment or are bookmarked for other impending large expenses (when it rains, it pours) and I generally don't like buying things on credit that I can't pay off immediately, but I need a working computer to make money, so I figured this would be a decent route to go in the grand scheme of things.
Do y'all happen to know which bureau Apple/GS checks on application?
Thanks again for everything!
@AfroPope wrote:Thanks for the insight, y'all.
Just to clarify, if I am buying a home it will be next winter, unless I somehow hit the jackpot and then I'm not worried about any of this.
Right now all of my savings are going towards a down payment or are bookmarked for other impending large expenses (when it rains, it pours) and I generally don't like buying things on credit that I can't pay off immediately, but I need a working computer to make money, so I figured this would be a decent route to go in the grand scheme of things.
Do y'all happen to know which bureau Apple/GS checks on application?
Thanks again for everything!
It's best to have no credit applications for at least 12 months prior to a mortgage application.
@SouthJamaica wrote:It's best to have no credit applications for at least 12 months prior to a mortgage application.
Is it purely a score thing or do home loan underwriters have discretion to just say no regardless of how good the credit is despite the new accounts?
