Apple Card Is Now Available For All US Customers

By Amit Chowdhry ● August 20, 2019
  • Apple has announced that the Apple Card is now available for all US customers. You can apply for Apple Card through the Wallet app on the phone in minutes.

After a brief preview for select consumers, Apple has rolled out the Apple Card to all qualifying iPhone owners across the US starting today. Customers are able to apply for Apple Card through the Wallet app on the phone in just minutes and start using it right away with Apple Pay in stores, in apps, and on websites. 

The Apple Card has no fees and encourages customers to pay less interest. Plus it offers an easy-to-understand view of spending and provides a new level of privacy and security. 

“We’re thrilled with the overwhelming interest in Apple Card and its positive reception,” said Apple’s vice president of Apple Pay Jennifer Bailey in a statement. “Customers have told us they love Apple Card’s simplicity and how it gives them a better view of their spending.”

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Apple Card does not have a card number, CVV security code, expiration date, or signature on the card. This makes it more secure than any other physical credit card.

In terms of rewards, the Apple Card offers 3% in Daily Cash. This reward gives back a percentage of every purchase as cash on customers’ Apple Cash card every day. And customers will receive 2% Daily Cash every time they use Apple Card with Apple Pay and 3% Daily Cash on all purchases made directly with Apple, including at Apple Stores, apple.com, the App Store, the iTunes Store and for Apple services.

Apple Card is also extended 3% Daily Cash to additional merchants and apps. For example, customers will receive 3% Daily Cash when they use Apple Card with Apple Pay for Uber and Uber Eats. And customers using the titanium Apple Card will get 1% Daily Cash. 

The Apple Card balance can also be used for sending money to friends and family members in the Messages app. And support for the Apple Card can be reached 24/7 by sending a text from Messages.

In order to help customers better understand their spending, Apple Card uses machine learning and Apple Maps to clearly label transactions with merchant names and locations in Wallet. Plus it provides weekly and monthly spending summaries.

There are no fees associated with Apple Card. And there are no annual, late, international, or over-the-limit fees. And to help customers make informed choices, Apple Card shows a range of payment options and calculates the interest cost on different payment amounts in real-time.

The Apple Card product was put together in partnership with Goldman Sachs as the issuing bank. Hannah Wong — a spokesperson for Apple Pay — pointed out in a press release that Goldman Sachs will never share or sell data to third parties for marketing and advertising. And Apple is also partnering with Mastercard for providing the support of a global payments network.