How does the Apple Card work? Everything you need to know

  • The Apple Card works as a standalone credit card, but is best used in conjunction with Apple Pay or your iPhone’s Wallet app.
  • You can use the Apple Card to make purchases and earn cashback with no additional fees or penalties other than interest.
  • The Apple Card doesn’t have a card number or CCV code like other credit cards, but you can always use Apple Pay to generate a secure card number.
  • Visit Business Insider’s Tech Reference Library for more stories.

the Apple card is the first credit card offered by Apple and issued by Goldman Sachs. It’s designed to work with the iPhone’s wallet app and Apple Pay.

For those times when you cannot pay digitally, you will also receive a physical card – laser-engraved with your name on the titanium surface – which you can also wear.

Unlike most credit cards, there is no card number or CCV code on the card Apple card. If you need this information, it will be stored in your wallet app. In other words, It is difficult to use this card without an iPhone.

Check out the products mentioned in this article:

iPhone Xs (from $ 999.99 at Best Buy)

Apple Watch Series 4 (from $ 499.99 at Best Buy)

The unique functions of the Apple Card

In many ways, the Apple Card is a straightforward credit card, but it has some unique features that are worth mentioning.

The card is primarily designed for use with your iPhone’s wallet app and you can use it to pay for products Use Apple Pay from your iPhone or Apple watch.

Apple Watch iPhone

The Apple Card is designed to work with your iPhone and Apple Watch.

Getty Images

The best rewards are available when you use the Apple Card with Apple Pay, including:

  • Up to 3% discount on purchases from participating retailers.
  • 3% discount on all purchases made directly from Apple (e.g. in Apple Stores or via the App Store).
  • 2% discount on all other Apple Pay purchases.

Get 1% back when you use the physical Titan card instead of Apple Pay.

Instead of waiting 30 days for your rewards to appear in your account, all rewards will be added to your wallet’s Apple Cash account on a daily basis. You can use Apple Cash to make purchases or to pay for your Apple Card balance.

Apple’s fee structure is also attractive: there are none.

There is no annual fee for the Apple Card and no late fee. On the Apple Card website, Apple says the card “has no fees. Not even hidden,” and that includes all of the usual fees traditional credit cards typically charge, such as cash advance fees and international purchase fees.

Because the Apple Card is so deeply integrated into Wallet and Apple Pay, you get a lot of information about every purchase – you can even tap a purchase in your transaction history to see where the purchase was made on a map.

And when it’s time to pay the bill, a clever interface lets you “dial in” how much of the credit you want to pay and see exactly how much interest and principal you pay when you choose the amount.

How to get the Apple Card

There is no online application for the Apple Card. To apply, open the Wallet app on your iPhone, then tap the “+” button in the top right corner. Select “Apple Card” and fill out the form.

Apple Card Wallet

You can apply for the Apple Card via your wallet app.


The qualification process only takes a few moments and you can use the card immediately with your approved credit limit.

How to pay with your Apple Card

There are three ways to use your Apple Card: with the Wallet app and Apple Pay, by swiping the physical card when Apple Pay is not available, and by providing the merchant with your credit card number.

Once you’ve completed the application process, your Apple Card will be automatically added to your Wallet app, and you can use Apple Pay to make purchases just like any other credit card you’ve added to your iPhone.

Once your physical card has arrived, you can also swipe the card at a point of sale terminal. However, the card won’t work with contactless terminals – if contactless purchases are possible, consider using Apple Pay with your iPhone or Apple Watch instead.

Apple card

For the best rewards, consider using Apple Pay whenever possible.


Finally, when you need your card number and CCV code to make a purchase e.g. For example, if you buy something over the phone, your Apple Card can generate a secure, virtual credit card number for non-Apple Pay purchases.

How to find this number and CCV code:

1. Open the wallet app.

2. Tap the Apple card.

3. In the upper right corner, tap the three dots.

4th Tap on “Map Information”.

5. You should see the card number, expiration date and CCV code.

6th Tap Request New Card Number at any time if you suspect the current one has been compromised – you’ll get a new virtual number instantly without having to request a new physical card from Apple.

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