PCMag UK How to Sign Up for and Use Your Apple Card Apple Pay vs. Apple Cash vs. Apple Card Jason Cohen 19 Aug 2019, 4:50 p.m. We review products independently, but we may earn affiliate commissions from buying links on this page. Terms of use. The Apple Card is finally here. Apple's first credit card can live as a virtual card in your Apple Wallet and be used for purchases wherever Apple Pay is accepted, or you can snag a physical titanium card. Launched in partnership with Mastercard and Goldman Sachs, Apple Card promises no annual or international fees and doles out "Daily Cash" points that can be used or applied to your card balance the next day. All you need to get started is an iPhone running iOS 12.4 or higher, an iCloud account, and an Apple ID with two-factor authentication enabled. The application process is designed to be simple, but there are several steps involved. Here's everything you need to know about signing up for and using your Apple Card, both online and in stores. Apple Pay vs. Apple Cash vs. Apple Card Apple now has three different payment services to choose from, so you'll be forgiven if you get confused between Apple Pay, Apple Cash, and Apple Card, all of which work together and live inside the iOS Wallet app.Apple Pay is a mobile payment service allowing users to add and manage their credit and debit cards in the Wallet app; it can be used for App Store or online purchases, and for in-store contactless payment transactions.Apple Cash is a peer-to-peer payment service that primarily exists inside iMessage. Think of it as Apple's answer to Venmo. Users can send and request money directly from the messaging screen. The balance is kept in a separate account inside the Wallet app, which can then be sent to your connected bank account, used to pay off your Apple Card balance, or spent through Apple Pay.Apple Card is a credit card that sits inside the Wallet ecosystem. Aside from being a standalone card, it can also be used as a payment method with Apple Pay. The card's Daily Cash rewards are sent to the user's Apple Cash balance, which can then be moved elsewhere. What Is My Apple Card Number? Each Apple Card has a 16-digit virtual card number similar to a traditional credit card, but there's also the device account number, which tracks the iPhone, iPad, Mac, or Apple Watch through which you're using the card.If you order a physical card, it will have its own unique card number that won't be printed on the card itself. It's not the same as your virtual account number, but the two are linked. So if you change your virtual account number, you'll need to replace the physical card as well. You can view all three of these numbers by selecting the Apple Card in the Wallet app, opening the three-dot menu, and selecting Card Information. What Is Apple Card Daily Cash? Apple Card offers cashback rewards like a traditional credit card, but goes about it a little differently. Instead of waiting a full billing cycle, the Daily Cash rewards you accumulate are processed on a daily basis and show up in your Apple Cash balance the day after you make a purchase.Earn 1 percent on all purchases using the physical card, 2 percent when using the card through Apple Pay, and 3 percent when using Apple Card to pay for Apple's own products and services. How to Sign Up for Apple Card The Apple Card sign-up process is quick and easy. Open the Wallet app and choose the + sign. If you see an explanation page for Apple Card, tap Continue. Select Apple Card from a list of payment methods, then fill in your personal information: name, date of birth, the last four digits of your Social Security number, and annual income.Once you agree to the terms and conditions, Apple will provide details on your credit limit and interest rate. Agree to the terms by tapping Accept Apple Card, or back out by tapping No Thanks. How to Order a Titanium Apple Card You can request a physical card during the sign-up process by entering your mailing address. To do it later, open the Wallet app, tap Apple Card > () > Get Apple Card, then fill in the necessary information.Once you receive the titanium Apple Card in the mail, you will need to activate it; the process varies depending on your phone model. For iPhone XS, XS Max, and XR, place your phone near the card and tap Activate on the screen. iPhone X and earlier models require you to open the Wallet app first and select Activate, then hold the device close to the card and confirm activation. How to Pay With Apple Card in Stores As soon as you sign up for the Apple Card, it's immediately activated and ready to make purchases. You don't need the physical card to use it in brick-and-mortar stores. Look for the contactless payment icon at the register and use the card like you would when paying with Apple Pay.Double-click the side button on your iPhone, then authenticate the purchase with Face ID; for older iPhones, hold your finger on the home button and authenticate with Touch ID. For Apple Watch, double-tap the side button and make sure Apple Card is selected. The Apple Card works everywhere Mastercard is accepted, but if you're at a store that doesn't accept contactless payment, use the physical card just as you would a traditional credit card. How to Pay With Apple Card Online When shopping online, select the Apple Pay button to pay with the Apple Card. Double-click the side button on your device and use Face ID (or Touch ID on older iPhones, iPad, and Mac) to authenticate the transaction.If there's no Apple Pay option, make sure you're in Safari, or access your card’s virtual card number. Select Apple Card in the Wallet app, open the three-dot menu, and select Card Information. This page will show you the account number, expiration date, and security code, which you'll enter into the appropriate web form.Apple Card will also be saved to your iCloud keychain and can be added to Safari AutoFill preferences, so you don't have to constantly go looking for your card number. How to Set Apple Card as Default During the signup process, Apple gives you an option to set Apple Card as your default card in Apple Pay. This means Apple Card will be charged for all payments made through the mobile payment service, including contactless transactions, web purchases, and App Store payments.To do it later, go to Settings > Wallet & Apple Pay > Default Card. Long-press on a card and drag it to the front of your wallet. If you plan to use your Apple Watch, open the Watch app on iPhone and tap My Watch > Wallet & Apple Pay > Default Card. If you don't want to use the Apple Card on a given purchase, you can manually choose another card before completing any transaction. How to Add Apple Card on All Devices While you sign up for Apple Card on the iPhone, it can also be added to every other Apple device you use. Add the card on Apple Watch by opening the Watch app on iPhone and going to My Watch > Wallet & Apple Pay, then tap Add next to Apple Card.On iPad, go to Settings > Wallet & Apple Pay, then tap Add Card. For Mac, go to System Preferences > Wallet & Apple Pay, then tap the + button, select Apple Card, and follow the setup process. Your Mac must have Touch ID to enable Apple Card transactions; iPad will use Touch ID or Face ID depending on which model you own. How to Set Up Express Transit Apple Card has a specific setting for mass transit payments. To activate it, select the card in the Wallet app and open the three-dot menu. Select Express Transit Settings and confirm the card you want. You can also go through Settings > Wallet & Apple Pay > Express Transit Card. Now you no longer need to wake your phone or use Face ID or Touch ID to confirm contactless payments. How to Track Apple Card Activity Given Apple Card's integration with the Apple Pay ecosystem, it is easy to view your spending habits inside the Wallet app; just tap the Apple Card to see your current balance, recent transactions, and any upcoming payments.Tap a transaction to see further details, including the location of the business on Apple Maps. You can also view how much Daily Cash was earned through the transaction and track the amount of money you spend per month at that particular business. Purchases are color-coded by different purchasing categories broken down weekly and monthly, including Entertainment, Food & Drinks, Health, Services, Shopping, Transportation, and Travel. How to Make a Payment Once you start making purchases with Apple Card, you can pay off your balance in the Wallet app. Select the card and tap the Payment panel, where you'll see the total balance, billing date, and any accrued interest.Use the circular slider to set how much of the total you wish to pay off, then either select Pay Later to schedule a payment or Pay Now to complete the transaction. You can also tap Show Keypad to manually type a set amount. The money can be pulled from a linked bank account or an Apple Cash balance.

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