The new Apple card and all you need to know

The new Apple card

It lives on your iPhone and also comes with a shiny, laser-etched titanium card which lets you do things you simply couldn’t do before.
So what is all the fuss about?
Well for the start, according to Apple, signing up for Apple Card will be as simple as opening up the Wallet app, tapping on the Apple Card interface, and walking through the activation steps. Yeah! Just like that.

And it will be available for use immediately for digital purchases.
Oh and if you need to pay items that Apple Pay doesn’t support, you can show off the shiny titanium card version of the Apple Card.

Apple credit card
Apple titanium card

It will be sent to you once you have signed up.

When you want to see how much you’re spending, there’s no need to log in to a separate website or app. Your totals are laid out for you in the Wallet app, by week or by month
Everything you buy using Apple Card is in an AI produced category presented as a colour.

Apple card

The same colours show up in your spend summaries on your online, in-wallet statements. See orange, that’s Food and Drinks. See pink, that’s Entertainment.

Using Apple Card with Apple Pay

Apple Card works with any other credit or debit card stored in the Wallet app for use with Apple Pay. You set it as the default card and use it for in-store purchases on iPhone and online purchases on your iPhone and other Apple supporting devices.

Daily Cash

Apple card daily cash

Buy things in stores, on websites, and in apps and
you get 3 per cent back on purchases from Apple (when you use Apple Pay), 2 per cent back on Apple Pay transactions, and 1 per cent back when you pay with the physical card so if you really want to maximize your rewards then you know what to do. Use it more! The money on your Apple Cash card can be spent using your iPhone, iPad and Apple Watch.

Apple card fees:

Well, there is non according to Apple.

  • No annual fees.
  • No cash‑advance fees.
  • No international fees.
  • No over‑the‑limit or returned‑payment fees.
  • No hidden fees.
  • No surprises.

If this is not enough, if you miss a payment, there is no charge for penalty rates.


Feature Summary:
  • Up to 3% cash back
  • Daily cash back
  • No fees
  • Accepted worldwide (wherever Mastercard is available)
  • Engraved Titanium physical card with concealed numbers
  • Easy sign-up on iPhone
  • Spending tracking
  • Clear transaction labelling
  • Privacy-focused

Apple says it’s going to be launched sometime in the summer. You can sign up on the Apple site here: Apple card