Apple Card is a credit card, not a rewards card, gift card, or membership card. And as you’ll see in a moment, it’s also not your average plastic MasterCard.
One of a Kind Apple Card
When you put your hands on this unique card you will notice that it is not unapologetically plastic like the iPhone 5C and the other credit cards out there. The Apple Card is titanium, one card made of metal.
The other cool thing about this card is that your first and last name are laser etched on it. Your next question is probably, “How does the card work without a number”?
The titanium card doesn’t have a printed card number, security code, or expiration date, so someone can’t snap a picture and grab those details. If you do need card details for online purchases, you can view them in the Wallet app.
What It’s Like to Use Day to Day
When you use the card, you’ll quickly get a notification with the total along with the company.
If you open the notification, you will see where the transaction took place and how much Daily Cash you earned.
When you open the card in the Wallet app you can see how much you owe, and you can get a reminder when your bill is due.
If you need help, you can contact support from within Wallet by text, day or night.
Paying Less Interest
Apple Card has a feature I wish more cards had: when you choose how much to pay, Wallet shows you the interest impact. As you adjust your payment amount, it updates what you’ll pay in interest so you can make an informed choice. Your actual APR depends on your offer and can change over time, so always check the details in your account.
Cash Back
Let’s talk about the cash that you get back whenever you use the card. It’s pretty simple:
3 percent Daily Cash when you use Apple Card with Apple Pay at Apple and select merchants.
2 percent Daily Cash when you use Apple Card with Apple Pay anywhere Apple Pay is accepted.
1 percent Daily Cash when you use the physical Apple Card where Apple Pay isn’t supported.
Daily Cash is added after the payment settles. You can use it to buy something else or pay off your credit card bill.
When You Need the Physical Card
If a store doesn’t accept Apple Pay, then you will use the physical card. Even though the card doesn’t have a printed number, it does have a chip, and it works like a regular card at the terminal.
How to Find Your Apple Card Number for Online Purchases
Open the Wallet app and tap Apple Card.
Activate the card number button and authenticate with Face ID, Touch ID, or your passcode.
Look for the card number, expiration date, and security code for online purchases.
How Do I Get the Apple Card?
All you need to do is open the Wallet app and activate the Add A Card button. Visually you will probably notice a plus sign. Once there, select Apple Card. You will be asked a few questions, such as: is this your home address, last four digits of your social security number, annual income, and that’s usually about it. They may ask you more info in some cases, but generally the process is quick because Apple already has your info.
Once you are approved you can start using the card right away. You can then request the physical card, but you don’t have to.
For official details and the latest terms, check out the Apple Card product page.
Accessibility Note
I also love that the entire process is accessible, from applying to using it. Even the videos and graphics are described. When watched on an Apple device, Apple’s product videos can include audio description when audio descriptions are enabled in accessibility settings.
FAQ
Is Apple Card a credit card?
Yes. Apple Card is a credit card issued on the Mastercard network, managed primarily through the Wallet app.
Do I need the titanium card to use Apple Card?
No. If you’re approved, you can start using Apple Card right away in Wallet with Apple Pay. The titanium card is optional.
How do the Daily Cash percentages work?
In general, you earn the most when you use Apple Pay. You get 3 percent at Apple and select merchants with Apple Pay, 2 percent with Apple Pay anywhere it’s accepted, and 1 percent when you use the physical card.
How do I get card details for an online purchase?
Open Wallet, select Apple Card, and use the card number button to view the card details for online purchases.
How do I contact support?
Apple Card support can be reached from within Wallet. You can also sign in to your Apple Card web account for statements and account management.
Conclusion
Let me just say that I am not writing this for money or on behalf of Apple in any way. I just think the card is cool, and because Apple made it so incredibly easy to get it and to use it, I find that to be a great thing. It was all quick and painless. If you’d like to try it out, when you get the card, try sending me some cash. Thanks in advance.
Resources
How your Apple Card application is evaluated
Learn how to get 3% Daily Cash back
How to find your Apple Card numbers
Apple Card web account sign-in
Qapla!
Yeah you can feel the chip. It just feels like a square cutout about the size of a postage stamp.
thanks for shairing this article re: the apple card. Can you physically feel the chip in the card like you can with other cards? this sounds exciting and i’m glad to read posative reviews of it from a #a11y prospective.
keep up the wonderful work
michael
@payown