I clicked on Apple’s Notify Me button on the Apple Card website, entered my email address, and waited. Maybe Apple sent me a message and maybe not. Thanks to a few decades on the public internet my email spam filter is aggressive. I found Apple Card by accident.
Too Easy Peasy
First things first. Remember, Apple often is late to a technology party but when it gets there it brings what everyone wants to eat and drink. Apple Card is no different. Other credit cards offer more cash back, better rewards, good security, and better interest rates. What Apple Card does is cobble together the best pieces to make the experience of using a credit card the way it should be, and likely the way competitors will go over the next year or so.
After I gave Apple my email address I was browsing the Wallet and came across the invitation. About two minutes later I had been approved for an Apple Card. My credit score is just over 800 so I expected to get the lower interest rate. Just remember that Apple is all about making money and we live in a capitalist society where everyone is out to get your money so my Apple Card interest rate was stuck in the middle. I have a card with a higher rate and a card with a lower rate but not a card that’s as cool.
The physical Apple Card looks like a credit card without numbers. I’m OK with that, but I have run into a couple of places– smaller merchants– who asked if I had a different card. The secret to the sauce is typical Apple; a luxurious blend of ease-of-use, security and privacy, and, well, enjoyment. The app lets you buy, view what you bought and even pay your monthly bill (you’ll need to give access to your bank account). The Daily Cash Back defaults to Apple Cash, which I don’t use.
You will love the detailed information on what you bought, when you bought it, and even where you bought it. Wallet and Apple Card are that good. Apple Card as the default Apple Pay card is a no brainer and works exactly the same way; iPhone or Watch. If you need to buy something online you’ll need access to the credit card number which is store in the Wallet app (unless you use Apple Pay instead). The card number and the card are connected but you can cancel the old number and get a new one without getting a new card.
The physical card is a bit heavier than a normal plastic credit card. All a merchant will see is the Apple logo, your name, and the chip.
There are times when Apple displays the future as a big onion slowly being peeled. Apple Pay made it easy to use a credit card without fumbling around for a card; more private, more secure. Apple Card ups the ante by making enhancing privacy and security and by giving you better control over purchase information which wouldn’t show up for weeks. I’ve used Apple Card for two dozen purchases, received enough cash back to make me feel good about the process, and have an instantly detailed list of what I bought which makes me feel more in control of my finances.
The only real negative to the Apple Pay and Apple Card combination is a negative that many of us have faced. What happens when you lose it? Well, you’re tied to Apple’s ecosystem so you’ll have to call Apple Card support or use another iOS device to pay your monthly balance and report a stolen card.
I do miss a credit card with my photo on top, though.