Apple’s credit card is a virtual card in your Apple Wallet and be used for purchases wherever Apple Pay is accepted, or you can snag a physical titanium card.
it is only available in the U.S.A.
Users can apply for an Apple Card directly from within the Wallet app.
a digital Apple Card is made available immediately on all of the user’s devices. Users also can order a physical card for use at locations that do not accept contactless payments.
The physical card does not display numbers on the front; instead, users receive a 16-digit virtual card number for websites and apps that do not accept Apple Pay.
Apple Card details are accessible in the user’s iCloud Keychain and can be auto-filled into online forms.
Apple has designed a titanium Apple Card for shopping at locations where Apple Pay contactless payment is not accepted.
customers also receive a titanium credit card for physical purchases.
it will be useful for times when Apple Pay isn’t accepted for in-stores, online, and in-app spending.
The card has no card number, CVV security code, expiration date, or signature printed on the card. the cardholder’s name 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
- Get 2% Daily Cashback every time you pay with your iPhone or Apple Watch.
- Apple Card does not charge late, foreign transaction, returned payment, or annual credit card fees
- Get unlimited Daily Cashback with every purchase.
- Easily pin down your spending with Maps
- The Apple Card automatically places purchases into an appropriate category, like entertainment, food and drink, or shopping, and each purchase is recorded on a map by store name.
A unique card number is created for each device and is stored in a secure element which is used by Apple Pay to handle transactions and on-device cryptographic functions.
Each transaction uses its own one-time dynamic security code and is authorized with Face ID, Touch ID, or passcode.
transaction history for Apple Card is stored on and synced across devices using iCloud and encrypted such that only the authorized account holder can view it.
Two factor Authentication must be enabled on the user’s Apple ID account in order to apply for Apple Card.
How to apply for Apple Card
If you apply online and don’t add Apple Card to an eligible iPhone or iPad that you own, you can only use it to make eligible purchases online and in-store at Apple.
How to apply for Apple Card on your iPhone
before you can apply you must make sure you Qualify for the following:
Be 18 years or older, you must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that’s not a P.O. Box. You can also use a military address.
If you apply on a compatible device that you own, make sure it has the latest version of iOS, watchOS, or macOS.
Be signed in on your device with your Apple ID and use two-factor authentication.
If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze with TransUnion here.
You might also need to verify your identity with a Driver License or State-issued photo ID.
when you have checklisted your eligibility you can follow the steps below.
- Open the Wallet app and tap the add button
- Select Apple Card, then tap Continue.
- fill in your details and complete the registration
- Review and agree to the Apple card Terms & Conditions
- Accept your offered credit limit and APR
If approved, you’ll see an initial credit limit and APR offer between 12.99 and 23.99 per cent. You have 30 days to accept, and your credit score is not affected until after you accept.
Your credit limit offer will vary. It’s based on your credit score, so a higher score means a higher credit limit.
Apple said your credit limit also increases over time, and there are no fees for exceeding your credit limit.
There’s also no sign-up fee, no annual fees, and no international fees.
How to Order a Titanium Apple Card
You can request a physical card during the sign-up process by entering your mailing address. To do it later, open the Wallet app, tap Apple Card > > Get Apple Card, then fill in the necessary information.
Once you receive the titanium Apple Card in the mail, you will need to activate it.
For iPhone XS, XS Max, and XR, place your phone near the card and tap Activate on the screen.
iPhone X and earlier models require you to open the Wallet app first and select Activate, then hold the device close to the card and confirm activation.
How to Pay With Apple Card in Stores
As soon as you sign up for the Apple Card, it’s immediately activated and ready to make purchases.
You don’t need the physical card to use it in brick-and-mortar stores.
Look for the contactless payment icon at the register and use the card like you would when paying with Apple Pay.
Double-click the side button on your iPhone, then authenticate the purchase with Face ID; for older iPhones, hold your finger on the home button and authenticate with Touch ID.
For Apple Watch, double-tap the side button and make sure Apple Card is selected.
The Apple Card works everywhere Mastercard is accepted, but if you’re at a store that doesn’t accept contactless payment, use the physical card just as you would a traditional credit card.
How to Pay With Apple Card Online
When shopping online, select the Apple Pay button to pay with the Apple Card.
Double-click the side button on your device and use Face ID (or Touch ID on older iPhones, iPad, and Mac) to authenticate the transaction.
If there’s no Apple Pay option, make sure you’re in Safari, or access your card’s virtual card number.
Select Apple Card in the Wallet app, open the three-dot menu, and select Card Information.
This page will show you the account number, expiration date, and security code, which you’ll enter into the appropriate web form.
Apple Card will also be saved to your iCloud keychain and can be added to Safari AutoFill preferences, so you don’t have to constantly go looking for your card number.
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