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Apple Card for iPhone: Now available, sign up, credit



Apple Card is a bold attempt to break mobile payments.


Screenshot by Jessica Dolcourt / CNET

Apple Card is now available to all

. So you can still apply for an Apple Card today . Taking over your own credit card instead of a piggyback on your bank card is a bold move for Apple, which no other media giant has sought, even Google and Samsung, two companies that also have robust mobile payment systems Apple could not follow tracks .

Apple's brand new credit card, backed by Mastercard and Goldman Sachs, allows you to pay for goods and services online and in stores. Apple Card is Different from Apple Pay but builds on this feature. It's a mobile payment system based on your existing credit card used by Apple since 2014.

You are full of questions, too. Will a digital Apple credit card make mobile payment finally ubiquitous? What benefits can owners get? How does it affect your balance when you change the phone? Unfortunately we do not have all the information yet, but Apple will release more before the official launch of the Apple Card.

Here you will find everything we know about Apple Card, including the fine print . [19659007] What is Apple Card?

Apple Card is a new credit card for the iPhone ($ 1,000 at Best Buy) . It's both a digital card stored on your iPhone and a standard credit card backup that you can use if Apple Pay is not available. (It seems everyone will know this when they log in.) However, Apple believes that you're mostly using the digital version.

The physical Apple card is made of titanium and is named after a little drama, and so you can state by knocking it out loud against a glass.

Can I use Apple Card with an Android phone?

No, Apple Card is only for iPhone users . You sign up with your phone for the credit card and pay with the iPhone. All digital card transactions also take place locally on your phone. You can not run any of these transactions from a separate browser or app.

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What can I do if I lose my Apple Card?

If you lose your physical card, you can easily request a new one from Apple while your virtual card is still in use. For more information, see our How to Use Your Apple Card .

If I lose my iPhone, can I still pay my bills?

Losing your iPhone is far more daunting than losing your Titan Apple card, but you can still pay your bills while you search for your phone. Here are all ways you can protect your Apple Card information if you lose your iPhone .

Where can I use Apple Card?

You can use Apple Card in apps online (for example, web stores) and in physical stores around the world where MasterCard is accepted. (For more information on banking, see below.)

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The Titan Apple Card in Real Life. [19659002] James Martin / CNET

How do I log in to Apple Card?

Apple Card is stored in the Wallet app on your iPhone, and you log in by tapping the Apple Card prompt in the Wallet. This is how the Apple Card Claim Process Works . You can also sign up for the Apple website if you need more information. Remember that you must receive an invitation from Apple before you can begin. Here's how to sign up for the Apple Card from your iPhone .

Do I have to wait for a credit check?

However, you must be a well-qualified customer. Apple does not share details about what that means. Apple states that you can use your Apple Card within minutes if approved.

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Does Apple Card come to other countries?

Apple Card is available in the US, but Goldman Sachs believes Apple Card is being introduced internationally . Apple could use the US as a test environment before expanding into other countries. It is also possible that Apple is already negotiating with other banks and global institutions.

Which bank supports Apple Card?

Apple partners with Goldman Sachs to issue Apple Card, a Mastercard.

How will Apple track my finances with the card?

If you've ever used a service like Mint or other financial apps, you might be able to get a picture of Apple's vision on your finances.

You can visually see clearly how much you spend on what, when it's due, and how much you owe. Apple also uses the Maps engine to link a purchase to a business. So, it's clear which direction your payment is going in (these things are usually cryptic, like "New York LLC," if you've taken a taxi.) Apple says they're used Machine learning to connect

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Apple Card has all kinds of tracking charts. [19659002] Screenshot of Jessica Dolcourt / CNET

You can also see how much you spent so far in a given week or month, and track purchases by categories such as meals and transportation. You can see how long it will take to pay off your debts.

What if I need help using my Apple Card?

Apple says if you run into problems, you can send text directly from the app.

What are the rewards for Apple Cards?

Apple does not decide on a point structure. It gives you money back for every dollar you spend through a program called Daily Cash.

How much do you get when buying:

  • 1% when using the Titan-Apple card (physical card)
  • 2% when using the Apple card (digital) at each purchase
  • 3%, if you use the Apple Card (digital) for purchases made directly with Apple

The daily income is unlimited as long as you are within your credit limit. For example, if your spend does not exceed $ 3,000, your earnings may not be higher. You can track your daily money through a card in your wallet app.

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How does the Apple Card relate to Chase Sapphire and Amazon Prime Rewards Visa?

We've broken that up for you:

What's the difference between Apple Card, Apple Pay and Apple Cash?

It's confusing, we know. We have also broken that down for you: Apple Card versus Apple Pay versus Apple Cash .

Is Daily Cash Real Money? Where can I spend it?

Yes, this is real money that you can use right away. You can spend in stores, send to friends, use in apps or on the Internet, or pay for your credit.

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Diss out Daily Cash like Cash.


Screenshot by Jessica Dolcourt / CNET

What about the payment of interest and fees?

Apple Card allows you to pay more than once a month. For example, you can pay every week or every other week. It is not clear if you can pay daily if you want or if there is a bigger structure.

There are no late fees, annual fees, international fees or fees for exceeding your limit. But you will pay the interest. Apple says the variable annual percentage rate of return will be between 13.24 and 24.24 percent, "based on credit." Prices can change.

What happens if I miss a payment?

Apple does not penalize you in addition to your missed payment (for example, it does not cost you $ 25 in addition to what you owe)). However, you will build more interest on your existing balance. More here .

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Is the Apple Card Safe?

Apple has highlighted four key security options for the Apple Card.

  • The card number : Apple creates a unique card number for each device that is stored in the security element, a security chip on your iPhone. With every purchase you receive a unique dynamic security code and authenticate each purchase biometrically via the Touch ID or the Face ID. Even if someone steals your phone, Apple can not use your Apple Card.
  • Device, not Cloud : Apple does not track what you've bought or where and how much you've spent. All tracking is on the device, not on Apple's servers.
  • Your data is not for sale : "Goldman Sachs will never release or sell your information for marketing or advertising," said Apple's Bailey.
  • An almost empty physical card : If you use the Apple physical card, you will find your name on it, but there is no card number, no CVV, no expiration date, and no signature. If you need the details, you can find them in the Wallet app. This is probably the reason why other users can not use these important details for security fraud by stealing either a look or the entire card.

Is it bad that the physical Apple Card has no signature field?

Not necessarily. At the end of 2018, Mastercard was the first payment network where signatures and payment terminals are optional.

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If I lose my physical Apple card, can I order a new one?

Yes. If your card is lost or stolen, you can use the Wallet app to freeze your card and order a new one.

Does the physical Apple card have a magnetic stripe?

Yes, and there is also a chip you can also plug it into a chip reader.

Yes, Apple says you can pay with all your iOS devices. We have to confirm that it works with MacOS as well as with iPhone, iPad and Apple Watch.

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