In fact, Apple's approach to mobile payment can be confusing, considering that there are now Apple Pay, Apple Cash and Apple cards, all three of which are different services, in similar but different ways function. (Jessica Dolcourt of CNET does a great job of eliminating the differences.)
With Apple Card, Apple took a new approach to how users interact with and manage a credit card. From simple sign-up to viewing your spending habits, collecting call money and paying your bill – everything is done on your iPhone.
I got an invitation to the preview, and after reading 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 will be fully rolled out in the US by the end of August, a preview invitation is not required. Make sure your iPhone is running iOS 12.4 before signing in.
The sign-up process is the same regardless of whether you receive an invitation or wait for the full launch:
- Open the Wallet app on your iPhone.
- Tap + ] in the upper right corner.
- If you see a screen that explains Apple Pay, tap Next .
- Select Apple Card from the list of available payments from methods.
- Apple populates most of the sign-up form with 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.
- Once you're done, you'll receive an offer of What is your credit limit and interest rate? Touch Accept Apple Card to open your Apple Card account. Choose No, thanks if you change your mind.
When you accept 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.
Finally, during the sign-up process, you will be asked if you would like to receive a physical Apple Card by email to 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.
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, you must select Safari > AutoFill when purchasing in Safari in your iPhone's settings. and activate 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, selecting your Apple card, and then the three-dot icon in the upper 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 that's the case, you'll need to either activate it in the Wallet app (for older iPhone models) or by holding your iPhone XS or iPhone XR near the card envelope and following the instructions.
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.
You'll notice that the Apple Card in the Wallet app changes color every time you buy it and looks different after each transaction. 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 see a listing of your purchases, broken down 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.
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.
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. For the time you use the physical card, you get 1% back.
Compared to Chase Saphire and Amazon Prime Rewards credit cards, the Apple Card no longer needs to be claimed.
Apple processes and transmits it to your Apple Cash Card every night. So, if you bought an iPad Pro at the Apple Store and the total was $ 1,000, you should spend $ 30 on your Apple Cash card the next day.
You can then use your Apple Cash balance to deposit on your Apple Card balance, spend it with Apple Pay, or transfer it to your bank account.
To review your daily money transaction history, go to the Wallet app, select your Apple card, and then select the "…" icon in the upper-right corner. View your transaction history under "Weekly Activity" and select "Daily Cash".
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 damaged, 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 "…" 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 enable Lost Mode using Find My iPhone. Otherwise, nobody will be able to use all the cards you've added to Apple Pay. Next, contact Apple Support at 1-877-255-5923 and request that you block your virtual card number and, if applicable, your physical card.
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 the settings of your Apple Card in the Wallet app.
Tap the Message button and an iMessage thread will launch where you can chat with a Goldman support representative Sachs, the card issuer and bank for the Apple Card. In addition to the Message option, you also have the option to call support or visit the support site.
Do not go to an Apple Store – Apple Card support will be provided by Goldman Sachs, so Apple Store staff members 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 his identity theft prevention program or free ShopRunner shipping.
What happens if you switch to Android?
If you decide it's time to upgrade to Android, you can continue to use the physical version of your Apple Card and continue to deposit it – but you'll call your payments at 1-877-255-5923. Without an iPhone, all the benefits and optimized interactions that make the Apple Card unique will disappear.
Your iPad lets you view transaction history and related information, but you can not make payments, purchase habits, or any of the more detailed features found on your 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.