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Home / Tips and Tricks / Apple Card: Registration, start date, privacy information for Apple's new iPhone credit card

Apple Card: Registration, start date, privacy information for Apple's new iPhone credit card



The Apple Card is a bold attempt to stop mobile payments.


Screenshot by Jessica Dolcourt / CNET

Apple Card entered the world of credit cards by creating a card that you serve primarily from your iPhone . Powered by Mastercard and Goldman Sachs, Apple's brand new credit card allows you to pay for online goods and services online and in stores. It builds on Apple Pay, a mobile payment system based on your existing credit card that Apple has set up since 2014. Picking up your own payment card instead of piggybacking on your bank card is a bold, unparalleled move for Apple. Media giant even looked for Google and Samsung, two companies that also have robust mobile payment systems (and may not follow in their footsteps Apple ).

Will Apple's digital credit card finally make mobile payments ubiquitous? What types of benefits can owners receive? How does it affect your credit when you change the phone? They are full of questions and so are we. Unfortunately we do not have all. What we have are the details we learned from the special event of the company yesterday .

Here is everything we know about Apple Card so far – including the fine print – and what we still have to learn.

What is Apple Card?

Apple Card is newly branded credit card for iPhone ($ 1,000 on Amazon) User. It's a digital map that's on your iPhone, with a standard credit card backup that you can use when Apple Pay is unavailable. (It seems everyone has it when he logs in.) However, Apple believes that you will mostly use the digital version.

The physical Apple card is made of titanium and is little drama with your name on it, so you can show yourself by clinking it loudly against a glass.

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Can I use the Apple Card with an Android phone?

No, the Apple Card is only for iPhone users . You log in to the credit card from your phone and pay via the iPhone. All digital card transactions also happen locally on your phone. You can not run them through a separate browser or app.

Where can I use the Apple Card?

You can use the Apple Card in apps, online (such as web stores), and in physical stores around the world where MasterCard is accepted. (More on the bank aspect below.)

Reading : Apple Card vs. Chase Sapphire

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Screenshot by Jessica Dolcourt / CNET

How do I sign up for the Apple Card?

The Apple Card appears in the Wallet app on your iPhone, and you're signed in by tapping the Apple Card prompt in the Wallet. Apple guides you through the sign up process. You can also sign up if you are interested in further details.

Do I have to wait for a credit check?

You must be a well-qualified customer, although Apple does not share details about what that means. Apple says if you're approved, you can use your Apple Card in minutes.

When can I get it?

Apple will launch the Apple Card this summer via the Wallet app. It will come to the US first.

  2019-03-25-10-32-33

Enter your Apple Card daily with rewards straight from the Wallet app.


Screenshot by Jessica Dolcourt / CNET

Does Apple Card come to other countries?

Apple has just announced its plans for the US, but Goldman Sachs believes that Apple Card will be introduced internationally . Apple may 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 is working with Goldman Sachs as a bank to issue the Apple Card, a Mastercard.

Read : Apple Card vs. Amazon Credit Card

How can Apple Card help me identify my finances?

If you've previously used a service like Mint or other financial apps, then you may be able to get a sense of Apple's vision with your finances.

You can see visual representations that clearly show 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 to take (these things are usually cryptic, such as "New York LLC" if you're driving a cab.) Apple states that this is the case of machine learning to connect the dots.

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The Apple Card has all sorts of tracking diagrams


] 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 category, such as meals and transportation. There is a view that shows how long it takes for you to repay what you owe.

What if I need help using my Apple Card?

Apple says if you're in trouble, you can send text directly from the app.

What are Apple Rewards?

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

How much you get when you buy:

  • 1% when using the Titan Titanium Card (physical card)
  • 2% when using the Apple Card (digital) with every purchase [19659051] 3% at Using the Apple Card (Digital) for purchases made directly from Apple

The daily income is unlimited … as long as you are below your credit limit. For example, if your spend does not exceed $ 3,000, your income may not be enough. You can track your Daily Cash through a card in your Wallet app.

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<h2>  Is Daily Cash Real Money? Where can I spend it? </h2>
<p>  Yes, this is real money that you can use right away. You can shop in stores, send them to friends, use them in apps or the Internet, or withdraw your funds. </p>
<h2>  How can you pay interest and fees? </h2>
<p>  With the Apple Card you can 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. </p>
<p>  There are no late fees, annual fees, international fees or fees to exceed your limit. But you pay interest rates. According to Apple, the variable annual percentage rate of charge based on creditworthiness will be between 13.24 and 24.24 percent. Prices are subject to change. </p>
<h2>  What happens if I miss a payment? </h2>
<p>  Apple will not penalize you for your missed payment (eg, it does not cost you $ 25 in addition to what you owe)). However, you will get more interest on your existing balance. <span class= here .

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Issue cash daily, such as cash.


Screenshot by Jessica Dolcourt / CNET

Is the Apple Card safe?

Apple has highlighted four main paths to keeping Apple Card secure.

  • 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. You will receive a unique dynamic security code with each purchase and will authenticate each purchase biometrically via the Touch-ID or the Face-ID. Even if someone steals your phone, Apple says it can not use your Apple Card.
  • Device, not Cloud : Apple does not track what you bought, where and how much you spent. All tracking is done on the device instead of on Apple servers.
  • Your data is not for sale : "Goldman Sachs will never share or sell your information for marketing or promotional purposes," said Apple's Bailey.
  • An almost empty physical card : If you use the physical Apple 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 presumably so that others can not pass on these important details for security fraud either by glancing or stealing the entire card.

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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 to make signatures on cards and payment terminals optional.

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 you also have a chip

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

What's next with the Apple Card?

There are many details we do not know yet The exact start, any hidden fees, how the Apple Card affects people with low or no credit, and when exactly the card is launched. Undoubtedly, Apple will share more in the coming months. Until then, we can only hope for more delicacies.

Article published on March 25 at 12:01. PT
Last update, March 30 at 3:00 pm PT : Added more details.


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