How do I get Instant Credit?
- Apply for the Barclaycard Visa with Apple Rewards
- Upon approval, you decide how you want to shop:
Store.apple.com*- If you are shopping on store.apple.com, your Instant Credit will be available immediately upon approval. Just click the 'Shop Apple' button on your approval page and you will go back to the last page you visited prior to applying. When you are ready to check out and pay for your items, your new account's credit card number will be pre-populated on the payment details page. *Online session will time out after 30 minutes of inactivity
Apple Retail Store - If you are in the Apple Retail Store, ask an Apple Specialist to help you complete your purchase.
How do I access my Instant Credit?
- Go to the Barclaycard page where you first applied.
- Click on the "access your credit" link at the bottom of the page.
- Enter your credentials so we know it's you and click "continue".
- Continue shopping. When you are ready to check out and pay for your items, your new account's credit card number will be pre-populated on the payment details page
Apple Retail Store:
Ask an Apple Specialist to help you complete your purchase with your Instant Credit
What happens after I submit my application?
There are three possible outcomes when you submit your application.
- Approval - Congratulations. You are able to immediately begin using your new account.
- Pended - Something either didn't quite match up, or we need more information to make our decision. We will contact you within 10 days, usually sooner, with a decision. To check the status of your application, go to the Barclaycard page where you first applied. Click on the "check your application status" link at the bottom of the page. Enter your credentials so we know it's you and click "continue".
- Declined - This is not a message we want to deliver, but based on the information provided, we are not able to approve the application. However, we encourage you to make your Apple purchase using an alternate form of payment.
When will I get my card?
Typically, you will receive your new card within 7-10 business days. You can use it as you would any other credit card.
What are my Platinum benefits?
To learn more go to http://usa.visa.com/personal/card-benefits/credit-card/index.jsp
Please reference your Guide to Benefits for details.
What are my Signature benefits?
To learn more go to http://usa.visa.com/visasignature/index.jsp
Please reference your Guide to Benefits for details.
How do I earn rewards & take advantage of deferred financing?
How do I earn points with my Barclaycard Visa?
- Earn three (3) points for every dollar you spend on qualifying Apple purchases at store.apple.com, iTunes, Apple Retail Stores or 1-800-MY-APPLE.
- Earn two (2) points for every dollar you spend on restaurant purchases.
- Earn one (1) point for every dollar you spend on purchases everywhere else.
What is a "qualifying Apple purchase" for earning rewards points?
Purchases made at store.apple.com, iTunes, Apple Retail Stores or 1-800-MY-APPLE and purchased using your Barclaycard Visa with Apple Rewards account will qualify to earn 3 points per dollar spent. Any returns or credits related to the purchases will result in a deduction of the corresponding number of points. Any purchases of Apple products that are made at other retailers with your Barclaycard Visa with Apple Rewards Card will qualify for 1 point per dollar spent.
What are my points good for?
Every time you earn 2,500 points, we will automatically redeem your points and send you a $25 gift card. You can choose whether you want to receive apple gift cards or iTunes gift cards. Simply log in to your account and go the Rewards section.
When your account was set up, the Apple gift card was set up as the default gift card. Every time you earn 2,500 points, you'll automatically receive either a $25 Apple or iTunes gift card-based on your selection during the application process. If you don't choose a gift card at that time, the account will be set up to receive Apple gift cards. You can change your gift card selection whenever you like. Just log in to your account at BarclaycardUS.com and select the View Rewards tab.
Do my points expire?
No. Your points will not expire as long as your account remains open, active and in good standing. Please see your rewards program rules for complete details.
What is deferred interest financing?
Deferred interest financing is a borrowing option that lets you make eligible purchases with the opportunity to pay no interest on those balances. Interest will accrue from the purchase date but will be deferred until the end of the promotional period. You can avoid paying the deferred interest on eligible purchases at Apple if you make timely monthly payments during the promotional period and you pay the entire remaining purchase balance by the date on which the promotional period ends.
How does deferred interest financing work?
When you make a purchase that qualifies for deferred interest, interest charges are calculated and accrued each month from the date that you make your purchase. The accrued interest will be deferred until the end of the promotional period.
- If you pay off the entire purchase balance before the end of the promotional period (and all monthly payments are made on time), you will not pay the accrued interest.
- If you do not pay off your entire purchase balance by the end of the promotional period, or you are late with a payment, you will be billed all of the deferred interest that has accrued from the original purchase date.
During the promotional period, your billing statement will include a Deferred Financing Promotion Summary section that will provide the expiration date, interest accrued, and remaining promotional balance not yet paid. For more information about deferred interest financing, please visit barclaycardus.com/financingeducation.
What is a "qualifying Apple purchase" for deferred interest financing?
Purchases made at store.apple.com, Apple Retail Stores or 1-800-MY-APPLE and billed to your account during the offer period. (The offer period for new accounts is the first 30 days after account opening). Purchases at Apple are billed to your account when the merchandise is available and shipped to you. iTunes purchases do not qualify for deferred interest financing.
How do I avoid interest charges on my purchases that do not qualify for deferred interest financing?
To avoid paying interest on those purchases which do not qualify for deferred interest financing, you must pay that portion of your statement balance by the due date each month. In any billing cycle during that you are eligible to pay less than the statement balance, the "Customer Notification" section of your statement will provide you with specific payment amount necessary to avoid interest on those purchases. As a reminder, to avoid paying the deferred interest charges, please pay the entire deferred interest balance in full by the expiration date shown on the statement..
Is there an annual fee?
There is no annual fee for the Barclaycard Visa with Apple Rewards card. Please review the Terms and Conditions for full details.
What is the Annual Percentage Rate?
Please see the Terms and Conditions for Annual Percentage Rates available to new applicants.
Will my due date change each month?
Your payment due date will be the same day of each calendar month
Can I use my new card anywhere?
Yes, you can use your Barclaycard Visa Card anywhere Visa is accepted.
When will I know my credit line?
You will receive that information upon approval of your application.
Why does Barclaycard need my social security number?
We are required to obtain your social security number for several reasons, including to validate your credit information, to be compliant with the USA PATRIOT Act, and to help us to verify your identity when you contact us.
Does Barclaycard share my information?
What is Electronic Delivery Consent?
When you apply for the Barclaycard Visa with Apple Rewards, you opt in for paperless statements and additional promotions that we may offer via email.
You have the right to receive paper statements and can cancel your enrollment in paperless statements at any time. To request a paper copy of your statement, contact Customer Service at 1-888-232-0780. You can print a copy of a statement within the last 24 months for free online. To turn off Paperless Statements, simply log in to your account on barclaycardus.com and go to the Account Activity section and select Paperless Statements. To opt out of receiving any future promotional account offers which we may provide electronically, follow the instructions to "unsubscribe" provided at the bottom of any promotional email we send to you.
How can I manage my account online?
You can manage your account online 24 hours a day, 7 days a week, at BarclaycardUS.com
- Monitor account activity
- Set up and manage online payments
- Customize mobile and email alerts about your account
- Access easy-to-use financial calculators
- View personalized transaction summaries
How do I access my mobile servicing app?
Once you are a Barclaycard cardmember, you can access and manage your account by going to BarclaycardUS.com or by using the Barclaycard mobile app. In the App Store, search "Barclaycard" to locate and download the app.
Chip Card FAQs
What is a chip card?
A chip card is a credit card that gives you a more secure, convenient way to make purchases in the U.S. and abroad. Chip cards store your account information on a small electronic chip embedded in the card. When you make a purchase at a chip-card terminal, the chip uses encryption technology to protect your information. This helps eliminate fraud and makes your card virtually impossible to counterfeit.
Is there an extra fee for having a chip card?
No. There is no additional fee.
What's the difference between a chip card, a smart card, an ICC card and an EMV (Europay/MasterCard®/Visa®) credit card?
Nothing, really. They're all names for the same type of card-the chip card.
Why do I need a chip card?
Chip cards are standard in Europe and other popular destinations. When you travel abroad, your chip card offers global acceptance and added confidence. In fact, because the technology has existed for more than 10 years, merchants in more than 130 countries (on 6 continents) now accept some even require chip cards at millions of locations.
U.S. merchants are now beginning to roll out chip terminals in their stores. Those terminals, and chip cards, are expected to significantly improve transaction security.
What if I'm traveling abroad, and I only have a traditional magnetic-stripe credit card?
Magnetic-stripe cards are often accepted in tourist resorts and cities, but not necessarily at self-service terminals and kiosks. In short, you're more assured of acceptance with a chip card.
How does my chip card work?
At traditional magnetic-stripe registers, you'll see no change. You'll swipe your card and sign just as you do today. But at merchants that use chip-card terminals, you'll insert your card into a slot in the card reader, and you'll leave it there until your transaction is complete. Most of the time, you'll sign for your transactions. At self-service terminals like ticket kiosks and vending machines, you'll be prompted to enter your PIN.
How do I get a PIN for my chip card?
Although we assigned a 4-digit PIN to your account when we opened it, we encourage you to change your PIN to something easy to remember, difficult to guess.
- If you activate your new card online, you'll be prompted to create a PIN. You won't have to know your existing PIN to create a new one.
- If you call us to activate your new card, you can also create a PIN, or you can request to have your assigned PIN mailed to you
Please note that if you create a new PIN, you'll have to sign for your first transaction at a chip-card terminal with a cashier. After your first chip transaction has been completed, your PIN will be activated and you'll be able to use your card at self-service terminals where a PIN is required.
You can also use your PIN for cash advances at ATMs in the U.S. and around the world. Your Cash Advance Annual Percentage Rate (APR) will apply. Remember that there is only one PIN for your account. As the primary cardmember, you may share your PIN with authorized users, at your discretion.
How do I use my chip card in a chip-card terminal?
Insert your chip card into the slot on the terminal chip side up and chip end in. Once the card has been inserted into the terminal, leave it there until your transaction is complete. Depending upon the merchant, you'll either be asked to sign for your transaction or enter your PIN. Some terminals may not require either vending machines, for instance.
What do I do if I forget my PIN?
Just go to Account Settings/Manage Your PIN to change your PIN. You won't need to know your current PIN to change it. Also, you can call the number on the back of your card and request to have your PIN mailed to you.
Is there anything special I should do before I travel abroad?
Yes. Before your trip, please let us know where you'll be going and for how long. This will help prevent us from placing temporary holds on your account when we notice unusual foreign transactions. You can contact us through your Barclaycard account page online and mobile or through our mobile app. Just log into your account and go to Tools/My Travel to tell us your travel plans. You can also call us at the number on the back of your card. Also, take our international customer service phone number with you in case you run into any problems using your card overseas. In an emergency, call us at 001-302-255-8888.