Barclays Apple Rewards Card Calculator

Learn about the benefits of having the Barclays Apple Rewards Card, calculate how many Apple Rewards Points you can earn, and compare results to top cards.
Updated 2020-07-14 By Robert Flowers III

The Barclays Apple Rewards Card is no longer available. The Apple Card is now the primary card for everything Apple, including financing.

The Barclays Apple Rewards Card, now known as the Barclaycard Financing Visa, is a great card for those wanting to finance apple purchases while also earning rewards. The card earns a pretty nice 3% return on Apple purchases which is redeemable towards iTunes and Apple gift cards. You will also be able to finance your Barclays Apple Rewards Card purchases for 6 to 18 months depending on the product cost. As long as you pay off your card before the special financing period is over, it's one of the best cards to have if you want to pay for your Apple products over time.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Barclay Apple Rewards Card features two bonus categories which are Apple purchases and restaurant purchases. There is no limit to the amount of points you can earn spending across these bonus categories and no limit to the amount of points you can earn with the card overall.

  • 3x Apple Purchases
    • Includes purchases made at Apple Stores,, 1-800-MY-APPLE, and the iTunes store.
    • Large purchases will trigger Special Financing if active.
  • 2x Restaurant
    • Includes fast food, fine dining, and some food delivery services.
  • 1x Non-Category

If you're financing an Apple purchase, I highly suggest that you do not put any kind of restaurant or non-category spend on the card. Non-Apple financing purchases on top of special financing will automatically get hit with the high interest APR rate since all payments are applied to financing first.

Perks & Benefits

The Barclays Apple Rewards Card's main (and really only) benefit is it's special financing on Apple purchases.

  • Special Financing
    • Receive 6 to 18 month financing based on the cost of the billed amount when merchandise is sent to you; as in the total that hits your card.
    • Can be renewed by contacting Apple, so it's not a one-time thing.
Product Cost Financing Length
Less Than $499 180 Days (6 Months)
$499 to <$999 365 Days (12 Months)
$999 or More 540 Days (18 Months)

Notes About Special Financing

In order to fully benefit from the Deferred Financing offered on the Barclays Apple Rewards Card, you must fully understand what it means. If the Deferred Financing Purchase is not paid in full by the Promotional End Date or if you make a late payment, interest charges will be assessed for the entire promotional period at the then applicable rate for Purchases during the promotional period.

This means that the high APR interest will be dumped onto the card in full. If you are nearing the end of your Special Financing period and can't finish paying it off before the Promotional Due Date, I would recommend opening up a new card that features a 0% APR Balance Transfer such as:

Balance transfers will usually take about a week or two, but could take longer depending on the bank so you will want to have applied for the card of your choosing at least a month before hand to be safe. I also recommend initiating the balance transfer at the time of applying for the card. Opening another card and paying a small balance transfer fee is a lot better than being hit with a few hundred dollars of interest depending on what you've purchased.

Using Apple Financing More Than Once

It is possible to use Apple Financing on the card more than once. I used Apple Financing at least 5 times when I had the card. Sometimes Barclays will send out an email that they've re-instated the financing perk on the card (such as around back-to-school season). You can also call or email Barclays and ask for the perk to be re-initiated as well which is what I did. Just remember that Apple Financing is not automatic so make sure it's activated on the card before trying to finance anything with Apple.

Sign Up Bonus

The standard sign up bonus for the Barclays Apple Rewards Card is the special financing that the card offers. The benefit is available initially for 30 days after being approved for the card. If for some reason you do not use it within the first 30 days (like I didn't), you can contact Barclays and ask for it to be re-initiated.


Annual Fee

There is no annual fee for picking up the Barclays Apple Rewards Card. As long as you pay off your card when it's due and you follow the rules of Deferred Financing, it's a great card to have.

Authorized User Fee

There is no authorized user fee to add users to the Barclay Apple Rewards Card. I don't see a real reason to add additional users to this card. Adding users while the Special Financing perk is active can be dangerous and a bad idea all around. This is not a card for sharing.

Foreign Transaction Fee

The Barclay Apple Rewards Card has a foreign transaction fee of 3%. Using this card internationally will evaporate the value of your points just as fast as you can swipe the card. Considering that this card will not earn you much of anything internationally, I recommend sticking to using it for Apple purchases only.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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