Apple’s credit card is available as a virtual card in your Apple Wallet that can be used for purchases anywhere Apple Pay is accepted, or as a physical titanium card.
It is only available in the United States.
Users can apply for an Apple Card right from the Wallet app.
A digital Apple Card is immediately available on all of the user’s devices. Users can also order a physical card to use in places that do not accept contactless payments.
The front of the physical card does not display any numbers; instead, users receive a 16-digit virtual card number for websites and apps that do not accept Apple Pay.
Apple Card information is stored in the user’s iCloud Keychain and can be auto-filled into online forms.
Apple has created a titanium Apple Card for use in stores that do not accept Apple Pay contactless payments.
Customers will also receive a titanium credit card for physical purchases.
It will be useful when Apple Pay is not accepted for in-store, online, or in-app purchases.
The card does not have a card number, CVV security code, expiration date, or signature printed on it. The name of the cardholder is laser-etched onto the card.
All you need to get started is an iPhone running iOS 12.4 or higher, an iCloud account, and an Apple ID with two-factor authentication enabled.
Features Of The Apple Card
- Every time you pay with your iPhone or Apple Watch, you’ll receive a 2% Daily Cashback.
- Apple Card does not charge late, foreign transaction, returned payment, or annual credit card fees
- With each purchase, you will receive an unlimited amount of Daily Cashback.purchase.
- Maps makes it simple to track your spending.
- The Apple Card automatically categorizes purchases, such as entertainment, food and drink, or shopping, and each purchase is recorded on a map by store name.
Each device receives a unique card number, which is stored in a secure element used by Apple Pay to handle transactions and cryptographic functions on-device.
Each transaction employs a unique one-time dynamic security code and is authorized via Face ID, Touch ID, or passcode.
Apple Card transaction history is stored on and synced across devices via iCloud, and it is encrypted so that only the authorized account holder can view it.
To apply for an Apple Card, the user’s Apple ID account must have two-factor authentication enabled.
How To Apply For Apple Card
If you apply online and do not link your Apple Card to an eligible iPhone or iPad, you can only use it to make eligible purchases at Apple, both online and in-store.
How To Apply For Apple Card On Your iPhone
Before you can apply, you must ensure that you meet the following requirements:
You must be 18 years old or older, a U.S. citizen or a lawful resident, and have a valid, physical U.S. address that is not a P.O. Box. A military address is also an option.
If you apply on a compatible device that you own, ensure that it is running the most recent version of iOS, watchOS, or macOS.
Sign in with your Apple ID and enable two-factor authentication on your device.
If you have a credit freeze, you must temporarily lift it in order to apply for an Apple Card. Learn how to lift your credit freeze with TransUnion here.
You may also be required to provide identification, such as a driver’s license or a state-issued photo ID.
When you have a list of your eligibility, you can proceed with the steps below..
- Open the Wallet app and tap the add button
- Tap Continue after selecting Apple Card.
- fill in your information and finish the registration
- Examine and accept the Terms and Conditions for Apple Card
- Accept the credit limit and APR offered
If you are approved, you will receive an initial credit limit and an APR offer ranging from 12.99 to 23.99 per cent. You have 30 days to accept, and your credit score will not be affected until you do.
Your credit limit offer will be unique. It is determined by your credit score, so a higher score translates to a higher credit limit.
According to Apple, your credit limit grows over time, and there are no fees for exceeding your credit limit.
There are no sign-up fees, annual fees, or international fees.
How To Order A Titanium Apple Card
During the sign-up process, enter your mailing address to request a physical card. To do it later, open the Wallet app, select Apple Card > > Get Apple Card, and then enter the required information.
You must activate the titanium Apple Card once it arrives in the mail.
Place your iPhone XS, XS Max or XR near the card and tap Activate on the screen.
On iPhone X and earlier models, you must first open the Wallet app and select Activate, then hold the device close to the card and confirm activation.
How To Pay With Apple Card In Stores
When you sign up for the Apple Card, it is immediately activated and ready to use.
You don’t need a physical card to use it in physical stores.
Look for the contactless payment icon at the register and pay with the card as you would with Apple Pay.
Double-click the side button on your iPhone, then use Face ID to authenticate the purchase; for older iPhones, hold your finger on the home button and use Touch ID to authenticate the purchase.
For Apple Watch, double-tap the side button and select Apple Card.
The Apple Card is accepted everywhere. Mastercard is accepted, but if you’re in a store that doesn’t accept contactless payment, use the physical card like a traditional credit card.
How To Pay With Apple Card Online
To pay with the Apple Card when shopping online, select the Apple Pay button.
Double-click your device’s side button and use Face ID (or Touch ID on older iPhones, iPads, and Macs) to authenticate the transaction.
If you don’t see Apple Pay, make sure you’re in Safari or enter your card’s virtual card number.
In the Wallet app, select Apple Card, then open the three-dot menu and choose Card Information.
This page will display the account number, expiration date, and security code, which you will enter into the relevant web form.
Apple Card will also be saved to your iCloud keychain and can be added to Safari AutoFill preferences, so you won’t have to search for your card number all the time.
Thanks for reading
ALSO READ: HOW TO SET UP AND USE APPLE iCloud