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Home / Tips and Tricks / How to set up the Apple Card and use it with your iPhone

How to set up the Apple Card and use it with your iPhone



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The look of your Apple Card is constantly changing.


Jason Cipriani / CNET

The Apple Card is currently available to those who have received a preview invitation . However, a full start is expected for at the end of August . The new Apple credit card is largely digital and provides incentives for using the Apple Pay version of the card for payments. However, there is a sweet titan card that you can take with you in your wallet.

Apple's approach to mobile payment can be confusing, considering that the company now offers Apple Pay, Apple Cash, and Apple Card which are similar to different services, however work different way. (Jessica Dolcourt of CNET does a great job in reducing the differences .)

With the Apple Card, Apple took a new approach to how users interact with and manage a credit card. From the simple sign-up process to viewing your spending habits, making daily money, and paying your bill – anything related to the Apple Card will be executed on your iPhone .

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I received an invitation to the preview, and after reading through the fine print I decided to sign up.

How to Sign Up

Over the next few weeks, Apple slowly rolls the Apple Card over a preview program. If you have logged in to be informed about the start, you have the option of being randomly selected. The Apple Card is due to be fully launched in the US by the end of August, eliminating the need for preview invitations. Make sure iOS 12.4 is running on your iPhone ($ 1,000 on Amazon) before you try to sign in.

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Signing up for an Apple Card takes less than a minute.


Screenshots of Jason Cipriani / CNET

The sign-in process is the same regardless of whether you receive an invitation or wait for the full start:

1. Open the app Wallet on your iPhone.
2. At the top right, tap the + button.
3. When you see a screen that explains Apple Pay, tap Next .
4. Select Apple Card from the list of available payment methods.
5. Apple will fill out most of the sign-up form with your Apple ID information for you. You must confirm the information, add the last four digits of your social security number, enter your annual income, and accept the Apple Card Terms and Conditions.
6. Once you are done, you will receive an offer with your credit limit and interest rate. Touch Accept Apple Card to open your Apple Card account. Choose No, thank you if you change your mind.

After accepting the offer, you will be asked if you want to set the Apple Card as the default card. If you select Use as Default Card your Apple Card will be activated for all contactless payments, and your Apple Apple Store source for the Apple Store (apps, movies, subscriptions) will be changed to use the Apple Card ,

If you have a poor credit rating or are not sure if you qualify, read the Apple support document, which describes in detail what might prevent your application from being rejected.

Finally, during the sign-up process, you will be asked if you would like to receive a physical Apple Card by e-mail for use in non-contact payment systems. If you do not want a physical map at the moment, you can request one later at any time.

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Apple

Using Your Apple Card

Immediately after opening your Apple Card account, you have a digital version of the card in Apple Pay. You can shop right away – I just bought a few minutes after setting up my account at Starbucks Coffee.

The process of using your Apple Card through Apple Pay is the same as before: place your phone near a payment terminal and confirm the transaction with Touch ID or Face ID.

Apple also adds your Apple Card to the auto-populate Safari feature. You have probably been prompted to order something in Safari on your phone or Mac. If you are not prompted to use your Apple Card or other card when purchasing in Safari, go to your iPhone's App Settings and select Safari > AutoFill and Turn on credit cards .

If you intend to use your Apple Card on a website that does not accept Apple Pay and you are not a Safari user, your Apple Card will have a semi-permanent virtual card number (more on this below). You can find the number of your card on your iPhone by opening the Wallet app and selecting your Apple card and then the three-dot icon in the top right corner, followed by card information.

There you will find a card number, an expiration date and a security code. All the information you need to shop online or by phone.

Your Titan-Apple card should be mailed within a week of registering. Once this is the case, you must either activate it in the Wallet app (for older iPhone models) or by placing your iPhone XS or iPhone XR ($ 750 at Best Buy) near the card envelope Keep and follow the instructions prompts.

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The Wallet app shows you transactions and spending habits and gives you control over your Apple Card account.


Apple

The Wallet app is your Apple Card account portal.

The Wallet app on your iPhone lets you view and manage your Apple Card account. Your card is tied to your Apple ID, so you do not have to worry about creating a different password and remembering it.

When you buy, you'll find that the Apple Card in the Wallet app changes color after each transaction and looks different. In this way, Apple gently shows you what your spending habits are, with each color representing a different category.

There are currently seven spending categories: shopping, dining, entertainment, services, travel, transportation and health.

To view your spending habits, open the Wallet app and select your Apple Card. You'll see a list of recent transactions, your balance, all pending payments, and weekly activity.

Tap a transaction to see more details, including the exact location where it was made, how much daily money you earned, and how much money you spent in that store for a given month.

Select Weekly Activity to view your purchases, which are subdivided into the same color-coded categories that determine what your Apple Card looks like. Alternatively, tap Show Monthly to break up the spending patterns after each month.

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Paying out your balance is the best way to save interest.


Apple

After the purchase has started posting to your account, you can make a payment and see how much interest your current balance will accrue over time. Display your Apple Card in the Wallet app and tap the payment field. At the top of the screen your billing date will be displayed. With a circular slider, you can adjust a payment amount. Immediately below, all calculated interest charges are displayed. Tap Pay Now when you are ready to pay.

The first time you make a payment, you must add a bank account. If you already use Apple Cash, you will be asked if you want to use the same bank account, and the information will automatically be filled out for you. Otherwise you will need the bank code and the bank account number.

Daily Cash

Your Apple Card will give you cash back with every purchase. The amount of daily allowance you earn depends on how (and in one case, where) a purchase is made. For all Apple purchases, be it for your Apple Music subscription or a new iPhone in the Apple Store, you'll get a 3% refund. For all contactless payments you will get 2% back. If you use the physical card, you get 1% back.

For example, the Apple Card compares to the credit cards Chase Sapphire and Amazon Prime Rewards .

There's nothing you need to do to get your daily cash-Apple processes and transfers it to your Apple Cash Card every night. So, if you bought an iPad Pro ($ 746 at Walmart) from the Apple Store and the total was $ 1,000, you should spend $ 30 on your Apple Cash card the next day ,

You can then place your Apple Cash balance on your Apple Card balance, spend it on Apple Pay, or transfer it to your bank account.

Review your daily money transaction history by selecting your Apple Card in the Wallet app and then selecting the three-point icon in the upper-right corner. View your transaction history under "Weekly Activity" and select "Daily Cash".

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Activate Lost Mode as soon as possible after losing your iPhone.


Jason Cipriani / CNET

What happens if you lose your card or, worse, your phone?

If you've misplaced or lost your physical Apple Card, you can freeze it in the Wallet app. You can then freeze the card again when you have restored it and use it again. If you lose it and can not find it, you can cancel your old card and request a new one in the Wallet app.

Replace your virtual map.

If your virtual card has been compromised, you can cancel it and request a new number from the Wallet app. If you do, you will immediately receive a new number and code, invalidating the previous card number. Your virtual card number does not match the one on your physical card. If you want to get a new virtual number, you will need to order a replacement card.

To request a new virtual card number, display your Apple Card in the Wallet app and tap the three-dot icon in the upper-right corner. Select Map Information > Request a new map number . You must confirm that you want a new card number. After that it will be updated.

What happens if you lose your phone?

If you lose your iPhone, you must first activate Lost Mode with Find My iPhone . Otherwise, nobody will be able to use all the cards you've added to Apple Pay. Next, you must contact Apple Support at 1-800-MY-APPLE (1-800-692-7753) and request that you block your virtual card number and, if applicable, your physical card. Or you can use another iOS device to manage your account until you can recover your iPhone.

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Apple Card Support is available around the clock.


Jason Cipriani / CNET

Customer Support Information

The fastest and easiest way to get support for your Apple Card account is through iMessage. You can start a conversation with Apple Support by viewing your Apple Card settings in the Wallet app.

Tap the Message button and an iMessage thread will begin, where you can chat with a support representative from Goldman Sachs, the card issuer and the Apple Card bank. In addition to the Message option, you can also find the options for calling support or visiting the support website.

Do not go to an Apple Store: Apple Card support is provided by Goldman Sachs, so Apple Store employees are unlikely to help you but to forward you to Goldman Sachs.

Because the Apple Card is part of the Mastercard network, you are entitled to some of the benefits of the Mastercard network that you need to contact Mastercard support for. For example, to get help with identity theft protection, or free ShopRunner shipping .

What happens if you switch to Android?

If you decide it's time to switch to an Android phone, you can continue to use the physical version of your Apple Card and continue to deposit it on your balance. However, you must make your payments at 1-877-255-5923. Without an iPhone, all the benefits and optimized interactions that make the Apple Card unique will disappear.

You can use your iPad ($ 249 at Walmart) to view transaction history and related information, make payments, view spending habits, or the more granular features you find on an iPhone.

If we continue to use the Apple Card, collect fees, make payments, and monitor our expenses, we'll certainly discover more features. We will continue to update this post in the coming days and weeks.

Originally published on 10th of August.
Updated August 16: Adds information about qualifying for the map.

$ 999

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