Apple Card Overview Updated August 3, 2020

Apple Card

A new kind of credit card. Created by Apple, not a bank.

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102 'Apple Card' stories

March 2019 - August 2020

During its March 2019 services event, Apple announced the Apple Card. It’s a new credit card through a partnership with Goldman Sachs.

One of the most interesting things about the card is how it integrates with the Wallet app on iOS. Apple says that the goal is to help you learn more about your spending, with less effort.

One of the most unique things about Apple Card is its rewards platform. Apple says that customers will get “Daily Cash” when they shop with the  card. This means that cashback is credited directly to your Apple Pay Cash card on a daily basis. From there, you can spend Apple Pay Cash like a normal debit card, use it to pay down your debt, or transfer it directly to your bank for spending through your debit card.

As of August 20th, 2019, anyone in the US can apply for the card. If you approved, you can immediately add the card to your Apple Pay Wallet. You can also order a physical card that should arrive in 5-7 business days.. 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. Otherwise, you’ll want to restart the process.

Apple Card Rewards Information

  • Get 3% back on everything you buy from Apple, whether you buy it at an Apple Store,, the App Store, or iTunes. The 3% cash back includes games, in‑app purchases, and services like your Apple Music subscription and iCloud storage plan.
  • In a press release, Apple also announced that it is extending the 3% Daily Cash offer to third-party merchants, starting with Uber and Uber Eats.
  • Get 2% back every time you buy something using Apple Pay. That’s in every category, with no limits. Imagine all the things you use a credit card for every day — at Target, Walgreens, Lyft. You’ll get 2% back on just about everything.
  • For stores that don’t accept Apple Pay, you still get 1% of your purchases back in the form of Daily Cash.

Apple Card Stories August 3

Apple Card has added yet another 3% Daily Cash partner, this time marking the first expansion to restaurants. Panera Bread announced today that Apple Card users can now get 3% Daily Cash when they pay with Apple Pay in the Panera Bread app, on the web, or in-cafe.

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Apple Card Stories August 2

In response to the continued coronavirus outbreak, Apple and Goldman Sachs are allowing customers to skip their Apple Card payments without incurring interest charges. Apple Card holders should receive an email announcing this “Customer Assistance Program,” which has been extended through August.

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Apple Card Stories August 1

How to skip your Apple Card payment without interest

One measure Apple has taken to help with the impact of the coronavirus pandemic is allowing Apple Card customers to skip their payments with no penalty or interest. However, the offer isn’t automatic, read on for how to get it set up for your account.

Apple Card Stories July 28

Bloomberg report based on a Bernstein analysis suggests that Apple’s newest services have yet to make any ‘meaningful revenue,’ and investors will expect to hear about the company’s plans to address this.

It says that although Apple’s overall Services business is going well, the bulk of this is generated by the App Store and the Google search deal – with Apple TV+, Arcade, News+, and the Apple Card not playing much of a role …

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Apple Card Stories July 24

Every time there’s some Apple Card news, it prompts the same question from Brits: When is Apple Card coming to the UK? Substitute France, Germany, Belgium, Italy, Spain, and so on as appropriate.

Only Apple knows the answer to this, but the truth is, it doesn’t much matter – because those tasty 1% to 3% Apple Cash rewards are never going to be offered in Europe …

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Apple Card Stories July 20

Some Apple Card users are reporting that the card is showing up in their Experian reports. The card has been factored into TransUnion credit reports for some time, but had not previously appeared in either Experian or Equifax.

The Apple Card feed into Experian appears to be a gradual one, as the card is showing up for some but not all Reddit users who checked their reports…

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