The Apple Cash card is issued by Green Dot Bank, Member FDIC. Apple has made it easier to apply for a new Apple Card. Whether your Apple Card application was rejected due to a low credit score or income, negative credit report marks or heavy debt, you can take steps to improve your chances when you apply again. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Here's a run down of everything you need to know about the Apple Card — from the cash-back program to fees, payments, fine print, privacy and security. Getting 3% cash back on your numerous Apple purchases would be a big boon, and for all other purchases, you're already well accustomed to waving your phone over the point-of-sale device at checkout. Apple has dominated the tech space for a long time with consumer favorites including the iPhone, iPad (and more recently the iPad Pro), Apple Watch, AirPods and more. If you use the physical version of the card, which is an option at retailers that don’t accept Apple Pay, you’ll earn only 1% cash back. Before you start, there are a few things to … While Apple Card does bring solid rewards and impressive money management tools, it will also affect your credit report when you apply for it.. But the product's features make it the credit card equivalent of a Red Delicious: relatively ubiquitous and somewhat bland. • Uber and Uber Eats purchases via Apple Pay. (In addition, you don't get the physical credit card automatically; you must request it separately after your application is approved. New Apple Card … Apple does a soft credit pull when you apply for Apple card so you can see Apple's offer with credit limit and APR. Select Apple Card, then choose Recycle and provide the information on your screen. Use your Apple Store Gift Cards at the Apple Store, during checkout on apple.com or in the Apple Store app, or when shopping via 1‑800‑MY‑APPLE. For now, the Apple Card doesn't allow you to include others on your credit card account. If you want your card delivered to a different address, update your billing address in Wallet before you request your titanium Apple Card. If your Apple Cash balance is … Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. It's also worth noting that the Apple Card has no foreign transaction fees, and Mastercards are widely accepted around the world, so in general it will make a decent travel buddy. If you'd like to use Apple Card for your purchases, here's how to apply once … How to Pick the Best Credit Card for You: 4 Easy Steps. After you lock your card, it can't be used to make purchases until you unlock your card. *Using Apple Card for a cash advance is not currently supported. Instead of loading in and using your usual bank card from Chase or Wells Fargo, you use your Apple Card … Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. When evaluating offers, please review the financial institution’s Terms and Conditions. » MORE: Apple Pay, Google Pay and Samsung Pay: What to know. This includes fuel, car washes and convenience store purchases. This is to say nothing of the much smaller merchants where you may run into issues: Food trucks, mom and pop stores, bodegas and others simply may not be equipped to handle Apple Pay. So if you're not into. You can choose to unlock your card at any time in the Wallet app. If you card is lost, damaged, or stolen, you can request a replacement card on your iPhone or iPad. Copyright © 2021 Apple Inc. All rights reserved. The Apple Card works primarily through Apple Pay, a contactless payment system. This may influence which products we write about and where and how the product appears on a page. You can also chat with an Apple Card specialist. Or perhaps you hit the town regularly? But the product's features make it the credit card equivalent of a Red Delicious: relatively ubiquitous and somewhat bland. You can apply for the card via the Wallet app on an iPhone in minutes, and it seamlessly integrates with Apple Pay. No need to wait seven to 10 … Rates as of April 1, 2020. , which offers "special financing" on Apple purchases for six to 18 months depending on the amount of your purchase. Terms apply. by juggling multiple cards to earn higher rates on specific purchases, the Apple Card could work well for you. Once approved, your titanium card will be shipped to you through the mail and your digital card will be immediately available to use with Apple Pay. The Apple Card has arrived. When you’re ready to apply for the Apple Card, open the “Wallet” app. Learn how to apply. Apple Card has already landed for some users testing out Apple's new credit card. She has appeared on the “Today” show, Nasdaq and CNBC’s “Nightly Business Report.”. Tap Apple Card. Launch the Wallet app on your iPhone. A hard pull happens after you hit the "accept" button. A credit card created by Apple, not a bank. And while the card does feature, interest-free financing options for multiple Apple-branded devices and accessories, , there’s no introductory APR offer on other kinds of purchases. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. To begin, head to the Apple Card application page on the web, click or tap on the "Apply Now" button, and follow the on-screen instructions. Your monthly installments live alongside … Applications were originally available only through the Wallet app on your iPhone. So how do we make money? After you accept your Apple Card offer, you can order your titanium Apple Card in the Wallet app. Apple Canada’s website does have a local support document detailing ‘How to apply for Apple Card’. The titanium Apple Card is more secure than other credit cards because it has no card numbers on it, CVV security code, expiration date, or signature on it. Wallet app. It takes just minutes to apply for Apple Card in the Wallet app on your iPhone. Apple Card is here. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. » Learn how the Apple Card works and what you need to know about applying for it, using it and earning and redeeming rewards. This could be a sign of things to come, but with major Canadian banks dominating the credit card scene here, who knows when we’ll ever see Apple Card land here. He will need to have a parent guarantee a card with a low credit limit, buy something with the card, then pay off the purchase over a time period long enough to establish a credit history. If you need help with your titanium Apple Card. Apple makes no representations regarding third-party website accuracy or reliability. Before you start, there are a few things to check. But you still need to be a United States resident to do it. First and foremost, the card is for Apple users. Dreaming of a big sign-up bonus that can net you a free flight? All financial products, shopping products and services are presented without warranty. Or to apply on your iPad, go to Settings > Wallet & Apple Pay. App Store & iTunes Gift Cards Redeem your App Store & iTunes Gift Cards into your Apple Account Balance, and use it to buy Apple … Aside from the card's elevated rewards rate on Apple purchases, there are no other bonus categories to keep track of. But it comes with a big asterisk, because you must use Apple Pay to get elevated rates. ), To use Apple Pay, you must have an iPhone model that can support it (typically iPhone 6 or later). How to apply for Apple Card About Apple Card. on all purchases would be a better option. It brings with it new experiences that are poised to revolutionize the credit card industry. With APRs ranging from 10.99% to 21.99% as of March 2020, this is not an ideal card if you need to carry a balance. Points are worth more when redeemed for travel through the Chase portal, and you can also transfer your points to multiple airline and hotel rewards programs. Certainly, as of this writing, several major merchants do accept it (or are in the process of rolling it out), including Target, McDonald's, CVS and Best Buy. Sign in to view your Apple Card balances, Apple Card Monthly Installments, make payments, and download your monthly statements. The $0-annual-fee, Bank of America® Travel Rewards credit card, , for example, earns 1.5 points per dollar on all purchases, not to mention a plum of a sign-up bonus. See how to activate your card… Disclaimer: NerdWallet strives to keep its information accurate and up to date. When Apple first announced its rewards credit card in August 2019, a lot of people were excited about the prospect. Apple Card uses TransUnion for credit check lookups, so if you’ve frozen your credit, you’ll want to unfreeze your credit before you apply. Daily Cash, money management, and it's security and privacy features come together to bring forth a credit card experience that helps you better understand your spending and live a healthier financial life. If you're committed to a different mobile wallet, such as Samsung Pay or Google Pay, consider instead the Citi® Double Cash Card – 18 month BT offer. A travel rewards card can, though. The company does, however, note that "late or missed payments will result in additional interest accumulating toward the customer’s balance." You live in, or travel to, cities with widespread Apple Pay acceptance, 4. If you know your options and ask the right questions, you can find the best fit for your spending habits and goals. It pays 2% cash back on all purchases: 1% when you buy and 1% when you pay — and you can add it to the digital wallet of your choice. You could also consider the Barclaycard Financing Visa®, which offers "special financing" on Apple purchases for six to 18 months depending on the amount of your purchase. You're able to apply for Apple Card right through the Wallet app. If you like to use credit cards for cash back and the convenience they offer, and you have an iPhone, applying for Apple Card may be something you’re interested in. Scroll down to Physical Card and tap Unlock Card, then follow the instructions on your screen. Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Apple Card sets a new level of privacy and security. A card with a lengthy 0% intro APR offer on all purchases would be a better option. As with Apple Cash, 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. Everything you need is right there on your phone — even tech support, reachable via text message. on Apple purchases, as well as at select merchants and through select apps, and 2% back on everything else — but only if you make your purchases via Apple Pay on your iPhone. The physical card earns just 1% back on purchases, and that's just not competitive when the industry standard is 1.5%. Apple Footer * Subject to credit approval. It's not a game-changer, but it does offer some intriguing features. Variable APRs range from 10.99% to 21.99% based on creditworthiness. This product was an exciting new chapter for Apple as the company began … You can now apply for Apple Card online for the first time. Apple claimed in announcing the Apple Card that 70% of U.S. retailers accept Apple Pay. Open the Wallet app on your iPhone and tap Apple Card. … The 2% cash back on most purchases matches many of the highest flat-rate cash-back cards on the market. If your iPhone and titanium Apple Card are both missing or stolen, you can call Goldman Sachs for a replacement Apple Card: And see what you can do to protect your information and find your missing device. Open Wallet on your iPhone and tap Apple Card. Instead, your information is stored in Wallet. If you use the physical version of the card, which is an option at retailers that don’t accept Apple Pay, you’ll earn only 1% cash back. It's unclear what kind of credit scores you'll need to qualify for the Apple Card, but assuming you are creditworthy, you might benefit from this card if: Siri is your spirit guide. The Apple Card doesn't offer that. You can lock your titanium Apple Card on your iPhone or iPad. You can apply for Apple Card directly from the Wallet app on your iPhone. Now that the Apple Card is publicly available to everyone, it's fast and easy to apply for your own Apple Card right now. There are dozens of fantastic cards out there so let us help you narrow down your search. When the first smartphones arrived on the scene, one of the first application ideas was to use them as digital wallets. Use Apple Card. ), » MORE: Apple Card Q&A: How it works and what to expect. Points are worth more when redeemed for travel through the Chase portal, and you can also transfer your points to multiple airline and hotel rewards programs. earns 3% cash back on dining and entertainment, 2% back at grocery stores and 1% everywhere else. You're able to apply for Apple Card right through the Wallet app. Compare these deals from our partners to find one that fits your needs. Request and activate your titanium Apple Card, protect your information and find your missing device, Watch the video to see how you can get 24/7 support for Apple Card >. Use your Apple Gift Card at an Apple Store to buy products and accessories. Apply for Apple Card right in the Wallet app on your iPhone. Five questions to ask yourself before you apply for an Apple Card Apple Card is getting a lot of buzz, but it’s not necessarily a great fit for you, even if you’re an Apple fan. The Apple Card will pay you 3 percent back on Apple Store purchases and iTunes downloads, and 2 percent back on all other purchases made using Apple Pay. Be a U.S. citizen or a lawful U.S. resident with a U.S. residential address that isn't a P.O. How to Apply & Sign Up for Apple Card from iPhone. If you’re willing to pay the. You must meet certain requirements to be able to apply for an Apple Card. Apple says you can apply for the card through the Wallet app on your iPhone in minutes, and you can begin using it the moment you're approved. There's a great sign-up bonus, too. When you apply for a credit card, no matter who the card provider is … The Apple Cash card is issued by Green Dot Bank, Member FDIC. But it comes with a big asterisk, because you, use Apple Pay to get elevated rates. Your card is shipped free of charge and a notification is sent to your iPhone when it ships. Under Physical Card, tap Unlock Card, then follow the instructions on your screen. • Nike purchases via Apple Pay (in U.S. stores, via Nike.com and on Nike apps). Pre-qualified offers are not binding. Note that you must have an iPhone to be able to apply for the Apple Card: Open the “Wallet” app on your iPhone Credit Ranges. Some major retailers, including Walmart, don’t accept Apple Pay. Make purchases anywhere Mastercard is accepted when you get a titanium Apple Card. When you unlock your card, you can use it to make purchases. The Apple Gift Card is available only in the United States. Tap "Having trouble activating your card.". Or perhaps you hit the town regularly? Sara Rathner is a NerdWallet travel and credit cards expert. You’d like to add an authorized user or finance a large purchase outside of the Apple brand, For now, the Apple Card doesn't allow you to include others on your credit card account. Apple Card setup is simple, but there are a few things to know before you get started, including the difference between Apple Card, Apple Pay, and Apple Cash. Apple says you won't be charged a penalty rate or a late fee should you miss a payment. Two-factor authentication must be enabled on the user's Apple ID account in order to apply for Apple Card… Dreaming of a big sign-up bonus that can net you a free flight? With APRs ranging from 10.99% to 21.99% as of March 2020, this is not an ideal card if you need to carry a balance. Tap the Add button in the upper right corner of the Wallet app. Here's how to know if it's right for you. As with all Apple product announcements (and, really, all credit cards), the important question to ask is: Is this product right for you? The $0-annual-fee Bank of America® Travel Rewards credit card, for example, earns 1.5 points per dollar on all purchases, not to mention a plum of a sign-up bonus. Once you get approved, you can start using your Apple Card immediately, no strings attached.Remember, you get 3% Daily Cash back on all Apple Store and Apple service purchases (including Uber and UberEats), 2% on Apple Pay purchases, and 1% on everything … Similarly, when it comes to earning and redeeming your cash back, rewards are credited daily and can be used more or less immediately. Still, despite a crowded market of cash-back cards, consumers may be able to find room in their digital wallets for another one that will earn rewards, especially on pricey Apple purchases. For the first time, Apple now offers a web page that allows people to sign up for Apple Card rather than using their iPhone to do it. Watch Apple Card films and learn how to activate your titanium card, see your Daily Cash, make a payment, get support 24/7, and more. In November 2020, Apple added the ability to apply on the web . And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. The new application feature was released a week after the … Activate your card. NerdWallet's best travel rewards credit cards, 3. If you've set up Apple Cash and verified your identity, you can use Apple Cash to help make an immediate one-time payment to your Apple Card.. ), Apple Card Q&A: How it works and what to expect. Now, customers can apply for Apple Card through the web. 1 This card can be used to make purchases anywhere in the world Mastercard is accepted. The Capital One SavorOne Cash Rewards Credit Card earns 3% cash back on dining and entertainment, 2% back at grocery stores and 1% everywhere else. This could be a sign of things to come, but with major Canadian banks dominating the credit card scene here, who knows when we’ll ever see Apple Card … Best Balance Transfer and 0% APR Credit Cards, How Credit Card Issuers Are Responding to COVID-19. NerdWallet strives to keep its information accurate and up to date. Basics of getting the Apple Card. (UPDATE: The Barclaycard stopped accepting applications in September 2020. Our opinions are our own. Scroll down and tap Wallet & Apple Pay. Apple announced they're launching a new credit card – just in the U.S. for now. … There’s no additional application needed. Regardless, NerdWallet recommends making payments in full and on time because, late payments can still hurt your credit scores, The 2% cash back on most purchases matches many of the highest flat-rate cash-back cards on the market. Here's a quick look at the current Apple Card rewards categories: • Apple Pay purchases made directly with Apple (including Apple stores, within the App Store and for Apple services). As long as you make your purchases via Apple Pay, you'll earn a rich rate back on everything you buy. The Apple Card is issued by Goldman Sachs and is different from the. Pre-qualified offers are not binding. Our partners cannot pay us to guarantee favorable reviews of their products or services. Apple Card minimum payments are due at the end of the month. , which was formerly known as the Barclaycard Visa with Apple Rewards. Scroll down to Physical Card and tap Lock Card, then follow the instructions on your screen. * The titanium Apple Card is more secure than other credit cards because it has no card numbers on it, CVV security code, expiration date, or signature on it. Apple Pay, Google Pay and Samsung Pay: What to know, Credit cards you can use instantly after approval, 3.