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Home / Tips and Tricks / Apple Card: What you need to know about Apple's new credit card for your iPhone

Apple Card: What you need to know about Apple's new credit card for your iPhone



  2019-03-25-10-40-04

Apple CEO Tim Cook launches Apple Card, a bold effort to disrupt mobile payments.


Screenshot of Jessica Dolcourt / CNET

Apple launched the world map on its head on Monday by introducing a new proprietary: Apple Card . This is a card you can use to pay for goods and services online and in stores. By taking charge cards, Apple takes a bold step in disrupting mobile payments that no other media giant has tried, including Google and Samsung, two companies with their own mobile payment system.

Will a digital Apple credit card finally make mobile payments ubiquitous? What types of benefits will the owners receive? How does it affect their credit if they change phones? You are full of questions, and we are too. Apple Pays VP, Jennifer Bailey, passed us through the Apple Card on the company's special event today . This is all we know about the Apple Card so far, including the fine print – and what we haven't read yet.

What is the Apple Card?

Apple Card is a new branded credit card for iPhone ($ 1000 on Amazon) user. It is both a digital card that lives on your iPhone, with a traditional credit card backup that you can use where Apple Pay is not available. (It seems that everyone gets this when they sign up.) But Apple thinks you're using the digital version predominantly.

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Apple Card shows where you were when you spent.


Screenshot of Jessica Dolcourt / CNET

The physical Apple card is made of titanium and has your name etched on it, just for a little drama, and then you can show off by clinking it high on a glass.

Where can I use Apple cards?

You can use the Apple Card in apps, online (eg online stores) and in physical stores, anywhere in the world where MasterCard is accepted. (More about the banking aspect below.)

How do I register for the Apple Card?

Apple Card will live in the Wallet app on your iPhone and you sign up by tapping Apple Short Message in your wallet. Apple will walk you through the registration process. We haven't seen this, but expect it to take a few minutes. This is after all a credit card.

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Do I have to wait for a credit check?

You need to be a qualified customer. Although Apple does not share information about what it means. However, you can register if you are interested in more information along the way. Apple says if you are approved, you are eligible to use your Apple card within minutes.

When can I get it?

Apple will launch Apple Card through the wallet app this summer. It comes to the US first.

Will the Apple Card also come to other countries?

Apple just announced its plans for the United States. It is possible that Apple will use the United States as a test bed before expanding to other countries. It is also possible that Apple is already negotiating with other banks and global institutions.

  2019-03-25-10-32-33 "data-original =" https://cnet2.cbsistatic.com/img/p_rkKIFmi9ieOR-9XNsRzK2ouvY = / 724x0 / 2019/03/25 / 3a8412e0-0aa2-4a02 -a908-3554e8c4f48b / 2019-03-25-10-32-33.jpg [19659027] 2019-03-25-10-32-33 [19659010] Spend your Apple Card Daily Cash rewards directly from the Wallet app. </p>
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Screenshot of Jessica Dolcourt / CNET

Apple uses Goldman Sachs as a bank to issue Apple Card, a Mastercard.

How will Apple Card help me track my finances?

If you have ever ever used a service like Mint or other financial apps before you might get a feel for Apple's vision of your finances.

You will be able to see pictures that clearly show how much you spent on what, when it is due and how much you owe. Apple also uses its Maps engine to link a purchase with a company, so it's clear what your payment is going for (these things tend to be cryptic, for example: "New York LLC" once you've taken a cab ride. to connect the dots.

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Apple Card has all types of tracking charts in place


Screenshot of Jessica Dolcourt / CNET

You can also see how much you have spent so long in a particular week or month and track purchases by category, such as food and transport. It is possible to show how long it takes to repay what you owe.

If I need help using my Apple card?

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

What Are Apple Card Rewards That?

Apple does not choose a scoring structure. It gives you money back on every dollar you spend, through a program called Daily Cash.

Here's how much you get when you buy through:

  • 1% when using titanium Apple Card (physical card)
  • 2% when using the Apple Card (digital) when buying [19659046] 3% when You use the Apple card (digital) on purchases you make directly from Apple

There is no cover that serves daily … as long as you are within your credit limit. For example, if your expenses cannot exceed $ 3,000, then your earnings cannot. You can keep track of your daily money through a card in your Wallet app.

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You can use the Apple Card for mobile payments.


Apple

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

Yes, this is real money you can use right away. You can spend in stores, send to friends, use them in apps or on the web, or use to pay down your balance.

How about paying interest and fees?

Apple Card lets you pay more than once a month. For example, you can pay weekly or biweekly. It is not clear if you can pay daily if you want or if there is more structure.

There are no late fees, annual fees, international fees or fees to cross your limit.

What if I miss a payment?

Apple can't handle you with a penalty on top of your missed payment (for example, it doesn't cost $ 25 beyond what you already owe). You will, however, collect more interest beyond your existing balance. More here .

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Spend daily cash as cash.


Screenshot of Jessica Dolcourt / CNET

Apple card is safe?

Apple marked four main ways to keep the Apple card secure.

  • Speed ​​Dial : Apple creates a unique card number for each device stored in the Security element, a security chip on your iPhone. You get a single dynamic security code every time you make a purchase and biometrically authenticate each purchase, but either Touch ID or Face ID. Even if someone steals your phone, Apple says they can't use your Apple card.
  • Device, not cloud : Apple does not track what you bought or where and how much you spent. All tracking happens on the device, not on Apple's servers.
  • Your information is not for sale : "Goldman Sachs will never share or sell your data for marketing or advertising," Apple's Bailey says.
  • An almost empty physical card : If you use the physical Apple card, you notice that your name is on it, but there is no card number, no CVV, no expiration date and no signature. If you need the details, there is the Wallet app. This is probably so that others cannot sweep these essential details for security fraud by either stealing a glance or stealing the entire card.

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

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

Will it work with my iPad and Apple Watch?

Yes, Apple says Apple Card will work on all your iOS devices. We need to confirm if it will work with MacOS, iPhone, iPad and Apple watch.

What's next with the Apple Card?

There are many details that we still do not know, such as The exact launch, any hidden charges, how the Apple card can affect people with low or no credit and when the exact card should be started. Apple will undoubtedly share more in the coming months. Until then, we can only hope that more crisis couples will flow out.

Article published March 25 at 12:01 pm PT
Update, 3:57 p.m. : Added more details.


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