Apple Card is a bold effort to disrupt mobile payments.
Apple Card is available to everyone now. Here's how you can apply for Apple Card today. Taking on its own credit card, rather than piggybacking on your bank card, is a bold move for Apple that no other media giant has sought, even Google and Samsung, two companies that also have robust mobile payment systems may not follow Apple's footsteps.
Backed by Mastercard and Goldman Sachs, Apple's brand-new credit card lets you pay for goods and services online and in stores. Apple Card is different from Apple Pay but builds on that feature, it's a mobile payment system based on your existing credit card that Apple has had in place since 2014.
Read: Apple Card vs. Amazon Prime Rewards Visa
You're brimming with questions, and so are we. Will a digital Apple Credit card finally make mobile payments ubiquitous? What kinds of perks will owners be able to get? How will it affect their credit if they switch phones? Unfortunately, we don't have all the information yet, but Apple will release more before the Apple Card's official launch.
Here's everything we know about Apple Card so far, including the fine print.
Apple Card is a new branded credit card for iPhone (0 at Amazon) users. It's both a digital card that lives on your iPhone, with a traditional credit card backup that you can use where Apple Pay isn't available. (It seems like everyone gets this when they sign up.) However, Apple believes you'll predominantly use the digital version.
The physical Apple Card is made out of titanium and has your name etched on it, for a little drama, and so you can show off by clinking it loudly against a glass.
No, Apple Card is for iPhone users only. You sign up for the credit card using your phone and make payments from the iPhone as well. All digital card transactions take place locally on your phone as well -- you won't be able to do any of these from a separate browser or app.
If you lose your physical card, you can easily request a new one from Apple, while your virtual card remains in use. Find out more details in our guide on using your Apple Card.
Losing your iPhone is much more frightening than losing your titanium Apple Card, but you can still pay your bills while you search for your phone. Here are all the ways you can protect your Apple Card information if you lose your iPhone.
You'll be able to use Apple Card in apps, online (e.g., web stores) and in physical stores, anywhere in the world where MasterCard is accepted. (More on the banking aspect further below.)
The titanium Apple Card in real life.
Apple Card will live in the Wallet app on your iPhone, and you'll sign up for it by tapping on the Apple Card prompt within the Wallet. Here's how the Apple Card application process works. You can also sign up on Apple's site if you're interested in more details. Keep in mind that you'll need to receive an invitation from Apple before you can begin. Here are more details on how to sign up for Apple Card from your iPhone.
You do need to be a well-qualified customer, though Apple doesn't share details on what that means. Apple says that if you are approved, you'll be eligible to use your Apple Card within minutes.
Spend your Apple Card Daily Cash rewards right from the Wallet app.
Apple Card is available in the US, but Goldman Sachs thinks Apple Card will roll out internationally. Apple might be using the US as a testbed before expanding into other countries. It's also possible that Apple is already negotiating with other banks and global institutions.
Apple is working with Goldman Sachs as its bank to issue Apple Card, a Mastercard.
If you've ever used a service like Mint or other financial apps before, you might be able to get a sense of Apple's vision with your finances.
You'll be able to see visuals clearly depicting how much you spent on what, when it's due, and how much you owe. Apple also uses its Maps engine to link a purchase with a business, so it's clear what your payment goes toward (these things tend to be cryptic, like: "New York LLC" when you've taken a cab ride. Apple says it uses machine learning to connect the dots.
Apple Card has all sorts of tracking charts in place.
You'll also be able to see how much you've spent so far in a given week or month, and track purchases by category, like meals and transportation. There's a view to show how long will it take for you to pay back what you owe.
Apple says if you run into trouble, you can send a text straight from the app.
Apple doesn't opt for a points structure. It gives you cash back on every dollar you spend, through a program called Daily Cash.
Here's how much you get when you make a purchase:
There's no cap to daily earning...as long as you're within your credit limit. For example, if your spending can't exceed ,000, then your earnings can't either. You'll be able to keep track of your Daily Cash through a card in your Wallet app.
You can use Apple Card for mobile payments.
We broke that down for you:
It's confusing, we know. We broke that down for you, too: Apple Card versus Apple Pay versus Apple Cash.
Yes, this is real cash you can use right away. You can spend in stores, send to friends, use in apps or on the web, or use to pay down your balance.
Spend Daily Cash like cash.
Apple Card will let you pay more often than once a month. For example, you can pay every week or every other week. It isn't clear if you can pay daily if you want or if there's more of a structure.
There are no late fees, annual fees, international fees or fees for going over your limit. But you will pay interest rates. Apple says that variable APRs will range from 13.24 percent to 24.24 percent "based on creditworthiness." Rates are susceptible to change.
Apple won't slap you with a penalty on top of your missed payment (e.g. it won't cost in addition to what you already owe). However, you will accumulate more interest on top of your existing balance. More here.
Apple highlighted four main ways it's keeping Apple Card secure.
Not necessarily. In late 2018, Mastercard became the first payment network to make signatures optional on cards and at payment terminals.
This minimalist card doesn't have your signature on it.
Yes. If your card is lost or stolen, you can use the Wallet app to freeze your card and order a new one.
Yes, and it also has a chip you can insert into a chip reader as well.
Yes, Apple says you'll be able to make payments from all your iOS devices. We'll need to confirm if it will work with MacOS as well as the iPhone, iPad and Apple watch.B:
跑狗图历史【左】【边】【离】【开】，【沉】【浸】【在】【自】【己】【的】【思】【绪】【里】，【外】【面】【所】【有】【的】【一】【切】【活】【动】【全】【部】【取】【消】，**【务】【也】【不】【接】【了】。 【其】【他】【人】【的】【状】【况】【也】【都】【差】【不】【多】。 【楚】【星】【光】【不】【知】【道】【什】【么】【时】【候】【出】【现】【在】【他】【身】【后】。 “【叶】【栖】【的】【责】【任】【就】【是】【如】【此】，【你】【早】【就】【该】【做】【好】【这】【种】【心】【理】【准】【备】。” 【像】【他】【们】【这】【种】【搞】【科】【研】【的】，【每】【天】【做】【无】【数】【实】【验】，【而】【且】【这】【些】【实】【验】【都】【是】【无】【比】【高】【难】【度】【的】，【一】【旦】【某】【个】【步】
【鉴】【于】【老】【大】【不】【是】【一】【般】【的】【讨】【厌】【喵】【喵】，【安】【意】【平】【时】【见】【老】【大】【都】【会】【避】【免】【带】【上】【喵】【喵】，【喵】【喵】【自】【己】【也】【清】【楚】，【所】【以】【偶】【尔】【就】【算】【在】【场】，【也】【是】【极】【力】【降】【低】【自】【己】【的】【存】【在】【感】。 【而】【今】【天】【喵】【喵】【可】【真】【是】【长】【本】【事】【了】，【竟】【然】【敢】【当】【众】【顶】【撞】【老】【大】。 “【我】【不】【同】【意】！”【喵】【喵】【站】【得】【笔】【直】，【全】【身】【处】【于】【一】【种】【戒】【备】【状】【态】，“【安】【意】【是】【我】【的】，【她】【不】【能】【嫁】【给】【别】【人】！” “【我】【就】【知】【道】【他】【忍】
【不】【一】【会】【儿】，【莫】【府】【尹】【便】【回】【到】【了】【堂】【上】。【这】【一】【次】，【他】【已】【不】【敢】【坐】【在】【那】【雕】【刻】【着】【青】【竹】【的】【椅】【子】【上】【了】。【他】【一】【个】【惊】【堂】【木】【拍】【下】，【嘈】【杂】【的】【人】【群】【立】【即】【闭】【了】【嘴】。 “【至】【于】【你】……”【他】【看】【了】【下】【风】【澜】【清】，【赶】【紧】【缩】【回】【了】【眼】【睛】，“【你】【藐】【视】【公】【堂】，【本】【官】【判】【你】【在】【后】【堂】【罚】【跪】【半】【日】【以】【示】【惩】【戒】。【退】【堂】！” 【话】【毕】，【莫】【府】【尹】【给】【一】【旁】【的】【师】【爷】【递】【了】【个】【眼】【色】。【师】【爷】【会】【意】，【立】【即】【跟】
【鸟】【群】【忽】【然】【混】【乱】【起】【来】，【冲】【天】【的】【火】【焰】【吞】【噬】【了】【散】【落】【的】【飞】【羽】，【闻】【人】【千】【鹤】【微】【微】【皱】【眉】，【只】【见】【南】【月】【华】【一】【手】【搂】【着】【方】【才】【被】【自】【己】【击】【败】【的】【傀】【儡】，【一】【手】【握】【着】【短】【刃】【飞】【奔】【而】【来】。 【那】【傀】【儡】【一】【只】【手】【上】【竟】【然】【喷】【出】【充】【斥】【一】【小】【片】【区】【域】【的】【火】【焰】，【虽】【说】【对】【于】【漫】【天】【的】【鸟】【群】【来】【说】，【这】【点】【火】【焰】【造】【成】【的】【损】【失】【微】【不】【足】【道】，【但】【足】【以】【让】【她】【开】【出】【一】【条】【道】【路】【了】。 “【哎】【呀】，【被】【小】【看】【了】【呢】跑狗图历史【玄】【兽】【王】【将】【杯】【中】【茶】【饮】【尽】，【像】【是】【在】【回】【忆】【往】【事】。 【良】【久】，【他】【看】【向】【陈】【天】【才】，【道】：“【六】【护】【法】【你】【知】【道】【吧】？” 【六】【护】【法】，【就】【是】【萧】【炎】【所】【爱】【的】【那】【只】【黑】【暗】【玄】【兽】，【也】【是】【那】【名】【长】【相】【极】【美】，【格】【外】【妖】【娆】【的】【女】【子】。 “【六】【护】【法】，【是】【兽】【皇】【之】【女】。【我】【们】【很】【小】【便】【认】【识】，【但】【那】【个】【时】【候】，【我】【只】【是】【一】【只】【很】【普】【通】【的】【小】【魔】【兽】，【被】【她】【收】【留】【回】【家】，【却】【每】【天】【喂】【我】【吃】【很】【改】【善】【体】【质】
【陆】【雪】【薇】【见】【乔】【小】【小】【不】【理】【她】，【有】【种】【拳】【头】【打】【在】【了】【棉】【花】【上】【的】【感】【觉】，【顿】【时】【不】【乐】【意】【地】【哼】【了】【一】【声】。 【陆】【夫】【人】【皱】【着】【眉】【头】【轻】【声】【训】【斥】【了】【一】【声】：“【雪】【薇】，【不】【得】【无】【理】，【来】【之】【前】【我】【怎】【么】【跟】【你】【说】【的】？【你】【要】【是】【不】【能】【保】【持】【礼】【貌】，【就】【立】【刻】【给】【我】【出】【去】，【省】【得】【给】【家】【里】【丢】【人】。” 【陆】【雪】【薇】【被】【当】【着】【乔】【小】【小】【面】【挨】【了】【训】，【气】【得】【脸】【拉】【得】【老】【长】。 【乔】【小】【小】【笑】【着】【缓】【和】【气】【氛】，“
【空】【旷】【的】【空】【地】【上】，【满】【天】【的】【灰】【尘】【飞】【舞】【着】，【这】【里】【人】【迹】【罕】【见】，【就】【连】【天】【空】【的】【乌】【云】【弥】【漫】【着】【风】【沙】【的】【味】【道】，【飞】【鸟】【一】【点】【儿】【也】【不】【愿】【意】【从】【这】【里】【经】【过】，【远】【远】【地】【就】【绕】【道】【走】。 【许】【久】【之】【后】，【这】【片】【沉】【寂】【中】【的】【干】【旱】【之】【地】【上】【终】【于】【出】【现】【了】【一】【个】【人】【影】。 【那】【人】【穿】【着】【一】【身】【黑】【色】【的】【劲】【装】，【乌】【黑】【的】【头】【发】【扎】【着】【高】【马】【尾】，【光】【洁】【的】【额】【头】【之】【下】【是】【一】【双】【英】【气】【的】【剑】【眉】，【鼻】【梁】【也】【较】【之】【其】
【丹】【良】【居】【然】【知】【道】【有】【关】【鬼】【吞】【魂】【的】【线】【索】，【这】【让】【一】【筹】【莫】【展】【的】【赵】【日】【天】【四】【人】，【全】【都】【眼】【睛】【一】【亮】。 “【快】【说】！” 【赵】【日】【天】【急】【声】【喝】【问】【道】。 “【我】【可】【以】【告】【诉】【你】【们】，【不】【过】【你】【们】【要】【答】【应】【不】【杀】【我】。【否】【则】，【你】【们】【就】【算】【再】【怎】【么】【折】【磨】【我】，【我】【也】【不】【会】【说】【的】。” 【丹】【良】【很】【是】【硬】【气】【的】【说】【道】。 “【好】，【我】【们】【答】【应】【你】。” 【赵】【日】【天】【说】【道】。 “【你】【们】【四】【人】【需】