Apple Card (2023) – Apply, Credit & Many More.

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apple card
The Apple Card is a credit card created by Apple in collaboration with Goldman Sachs and Mastercard.  Two very big names in the finance world. It is designed to work seamlessly with Apple Pay and offers cashback rewards for purchases made with the card. The card can be applied for and managed through the Wallet app on an iPhone. The card features a clean, simple design with large, easy-to-read text and high contrast colors. The Wallet app also includes accessibility features such as VoiceOver, which can read the screen aloud for those with visual impairments, and support for Dynamic Type, which allows users to adjust the font size to their liking. Additionally, the Apple Card offers cashback rewards that can be easily redeemed through the Wallet app, making it a convenient option for those with mobility or transportation challenges.

2) Benifits of using an Apple Card 

1. Daily Cashback:

  Who dosen’t want to save a bit of money every now and then, well The Apple Card offers cashback rewards on every purchase made with the card. Users can earn up to 3% cashback on purchases made directly with Apple, 2% cashback on purchases made with Apple Pay, and 1% cashback on purchases made with the physical card.

2. No Fees:

 Yes you heard it right, an Apple product with no fees. The Apple Card has no annual fees, no foreign transaction fees, and no late payment fees. This makes it a great option for international travelers or those who frequently forget to make payments on time.

3. Simple and Transparent:

The Apple Card offers a simple and transparent rewards program with no points or complicated redemption processes. Users can see their cashback rewards in real-time and use them to pay off their balance or send them to friends and family through Apple Pay.

4. Security:

   Well there is nobody who can compete with Apple in security. So,The Apple Card is designed with security in mind. It uses advanced security technologies like Face ID and Touch ID to authenticate purchases and protect user data. Additionally, the card does not have a visible card number, CVV, or expiration date, which helps prevent fraud.

5. Integration with Apple Pay:

 The Apple Card is seamlessly integrated with Apple Pay, which means users can make contactless payments using their iPhone or Apple Watch. This makes it easy to use the card for everyday purchases without having to carry a physical card around.
apple card

3) Some disadvantages of using an Apple Card

1. Limited Acceptance:

The Apple Card is only accepted at merchants that accept Mastercard, which may limit its usefulness for some users.

2. Lower Rewards for Non-Apple Purchases:

While the Apple Card offers generous rewards for purchases made directly with Apple or through Apple Pay, it only offers 1% cashback on purchases made with the physical card. This is lower than some other cashback credit cards on the market.

3. High APR:

The Apple Card has a variable APR that can range from 10.99% to 21.99%, which is higher than some other credit cards.

4. No Sign-Up Bonus:

Unlike many other credit cards, the Apple Card does not offer a sign-up bonus or introductory APR.

5. Limited Customer Service Options:

The Apple Card does not offer a traditional customer service phone number or email address. Instead, users must contact customer service through the Wallet app or website, which may not be as convenient for some users.
 

4) How to apply for an Apple Card 
apple card
To apply for an Apple Card, follow these steps:
1. Open the Wallet app on your iPhone or iPad.
2. Tap the “+” button in the top right corner.
3. Select “Apple Card” from the list of available cards.
4. Follow the prompts to enter your personal information, including your name, address, and Social Security number.
5. Agree to the terms and conditions and submit your application.
6. Wait for a decision from Goldman Sachs, the issuing bank for the Apple Card.
7. If approved, your Apple Card will be added to your Wallet app and you can start using it immediately.
The Apple card is just like any other credit card but it genuinely believes in giving its customers better rewards and cashback. With the security of Apple there remains no doubt about your card’s safety. Apple have also made a really smart move by partnering with the gaints of financial world Mastercard and Goldman Sachs which really changes the reputation of the card.
In the end its up to you to choose this card or not but if you are looking for a credit card and prioritise security over anything then this card might be the one for you
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