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The Apple card is primarily a virtual card, which means that you make contactless or online payments using your phone or another supported Apple device.
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You can also order a physical card without strokes, very typical Apple.
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An integrated iOS dashboard on iPhones lets you manage your map.
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Apple will eventually send you notifications to remind you of the payment due date.
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Apple is making every effort to ensure that transactions appearing in the transaction history appear under their real names, along with other useful data, instead of illegible or other codes.
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As is the case with almost all proprietary credit card applications, you can track purchases by category.
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The chart of the map in the dashboard is color-coded according to the way you spend your money. Each category of purchase has a corresponding color.
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The dashboard includes a view to estimate how you can pay what you owe with or without interest.
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There is also a way to see how much "daily cash" (that is the cash back program) you earn, and how.
The applications of Apple's new digital credit card, simply called Apple Card, are now available to all iPhone users in the United States. This follows a short period during which Apple offered early access to a limited number of registered customers and a test reserved for employees previously.
Apple Card is a MasterCard supported by Goldman Sachs. It is primarily managed and used in the Wallet app on iPhones running iOS 12.4 or later. Users can track their expense categories, pay the card, order a physical card and more since the application.
Apple aimed to solve some common problems related to credit cards with this product. For example, the history of credit card transactions is often encrypted and it is sometimes difficult to determine to which provider a charge has been charged if the abbreviated name behind the billing does not match. the public name of the seller; The Apple Card transaction history shows the full names of the suppliers, as well as splash images corresponding to the spend category where possible.
In addition, Apple Card offers a 3% cash back on purchases made at Apple stores or services such as the App Store or Apple Music, a 2% discount on all other purchases made at the Apple Store. Apple's Apple Pay digital payment system and a 1% cash back on purchases made. Using the Titanium Physical Card Apple is available upon request to digital cardholders.
Other key selling points for Apple's target customers are transaction and fee transparency, balance payment tools, and various privacy and security protections that are rare in many other cards. Users also have access to customer support via the iPhone Messages application and transaction locations in Apple Maps.
While press commentators generally speculated that it would be a somewhat exclusive card because of its links with Goldman Sachs, a bank that does not tend to serve the lowest segments of the market, Users quickly found that the majority could apply for the card and be accepted, although credit limits range from a few hundred dollars to several thousand, depending on the applicant's income and other factors.
Users can request the card in the Wallet application as of today when they installed iOS 12.4 or later.
In addition to launching the card to all iPhone users, Apple has announced new cashback providers. Apple Card will now offer 3% on purchases from Uber or Uber Eats, in addition to purchases from Apple. "Apple Card will continue to add new merchants and popular applications in the coming months," promises the blog of Apple.
List image by Apple
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