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Apple Card vs. Apple Pay vs. Apple Cash: What You Need To Know


Apple Pay is not the same as Apple Cash. We iron it out.

Jason Cipriani / CNET

The countdown is on. Apple soon enters the card game with the Apple Card, a mostly digital card coming out this summer. Due to its close attachment to the iPhone ($ 1

,000 on Amazon) (you can not use the Apple Card without a ), Apple once again uses its services to make the iPhone even more powerful make valuable for its loyal users. As with iOS 13, the new mobile software that comes on the iPhone in the fall of it is equally important to make the software appealing on the device, as well as to make the device itself eye-catching. The role of these services is particularly important as iPhone sales continue to decline .

Apple Card is a big enough monster with a physical card and lots of fine print but it will not replace either Apple Pay or Apple Cash, making things confusing.

Apple Card, Apple Pay, and Apple Cash can be accessed through your iPhone's digital wallet. They each have their own purpose. This is what they are and how you use them.

Apple Pay is the linchpin

Apple Pay is the name of the system that enables digital payments with your iPhone. It's in the Wallet app and was designed to replace the need to cart physical payment cards. As with Google Pay and Samsung Pay you are loading the details of your actual credit and debit cards into the Apple Pay App. You can then go to your virtual credit card to use your iPhone online or in stores instead of looking for your card in your wallet.

Apple Pay requires your authentication to start a payment. You either scan your face with the face ID, scan your fingerprint, or enter your passcode to verify your identity. In stores, hold the iPhone near the NFC payment terminal until you see a confirmation. When you shop online, you verify your identity and the software handles the purchase from there.

Apple Pay works by itself. However, you can add an Apple Card as one of your credit cards (see below for more information) and use Apple Cash to transfer funds to and from your friends and relatives.

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Apple Card is tied to your bank account.

Apple's new credit card is supported by Mastercard and Goldman Sachs. It behaves like a "real" credit card, just like the plastic or metal card in your wallet or purse, with interest rates and up to 3% cashback, but mostly it's a digital card in your phone.

There is also a physical map element: Apple gives you a smooth titanium rectangle with your engraved name. This is to be used in case a stationary store does not accept Apple Pay.

What does Apple Pay have to do with it? Everything. The Apple Card is another card that you can use digitally with Apple Pay. Instead of charging and using your usual Chase or Wells Fargo bank card, use your Goldman Sachs Apple Card.

Convenience and a strong focus on security are two reasons why you want to use Apple Card. If you are interested in signing up this summer, you should read all Apple Card details. Keep in mind that you can continue to use Apple's digital payment system with your own credit cards.

The physical Apple Card is made of titanium and bears your name.


Apple Cash is a peer-to-peer service.

Apple Cash is a service built into the Apple Pay Platform that allows you to send, receive, and request money from others through iMessages.

Apple calls it a "prepaid debit card in your Apple Wallet." It is similar to Venmo, but you must transfer money to your Apple Cash account by using your debit card in the Wallet app. Apple confirmed that credit cards will no longer be supported in Apple Cash . Apple Cash works on iOS devices like the iPhone, Apple Watch ($ 339 at Amazon) iPad ($ 249 at Walmart) and Mac.

About Apple You must be at least 18 years old and reside in the United States. You need iOS 11.2 or higher or, if you are using an Apple Watch, WatchOS 4.2 or higher. You should also make sure that you're logged into iCloud on any device you're sending money to and from. You start the request in iMessages and confirm with Face ID, Touch ID or your passcode.

If you receive cash from a contact, you will find it in an Apple Cash Digital Card in your wallet (you must agree to the terms and conditions to set this up). With this cash, you can make payments in stores, in apps and on the Internet, or transfer your funds to your bank account. You can also transfer the balance to your bank account linked to Apple Pay.

$ 999

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