I have read some about the new Apple credit card. It looks and sounds ok but my wife and I cannot figure how it should work when, say, making online purchases. With no card number or CCV, how would you pay?

Does anyone have any insight? Any info is appreciated!

My understanding is if you are using it to purchase something online you have to go through the Apple Pay app on your iPhone which has all the card info stored. There is also a physical card for in person purchases.

It works like Apple Pay. A new unique transaction number for every purchase is created... by your Apple device I believe. Very very secure... they say.

https://www.apple.com/apple-ca...film-purchase-online

They have more vids about other aspects.

I do not have one... yet. I MAY get it. Reviews rate it as just mid range on features like interest rates and reward payments. It pays rewards out daily and list them by transaction. Seems the the draw is the tight integration all things apple.

quote:

Originally posted by cparktd:
I do not have one... yet. I MAY get it.

Same here.

quote:

Originally posted by cparktd:
Seems the the draw is the tight integration all things apple.

That's usually quite a big part of the draw with anything Apple.

Thanks, guys. I also wonder what happens if you lose the physical card? I guess just cancel it like any other card.

If you lose your card, you simply unpair it from your Wallet. Afterward, you order a new one.

Here's a good video from Marques Brownlee describing the card::
https://youtu.be/lj7kFBz-jw4

I took the plunge - to clear up a couple of your questions that I had too...

There is no number on the card - it has your name and a chip, therefore if you lose your card there is nothing for a thief to get from it, it's worthless to them.

If you want to use it online you have 2 options - option 1 is if the retailer has an Apple pay option you just use the wallet app from your device and it's done. Option 2 if the retailer is not Apple Pay enabled - get your card number and CCV by going to the wallet app and selecting your card and hit the 'card information' button. You can copy and paste your card number and CCV code from there to use in any site that accepts credit cards. This option would be the only way a thief could ever get your number or commit fraud - that's why it's so secure.

quote:

Originally posted by BamaJeepster:

There is no number on the card - it has your name and a chip, therefore if you lose your card there is nothing for a thief to get from it, it's worthless to them.

If you want to use it online you have 2 options - option 1 is if the retailer has an Apple pay option you just use the wallet app from your device and it's done. Option 2 if the retailer is not Apple Pay enabled - get your card number and CCV by going to the wallet app and selecting your card and hit the 'card information' button. You can copy and paste your card number and CCV code from there to use in any site that accepts credit cards. This option would be the only way a thief could ever get your number or commit fraud - that's why it's so secure.

If a thief has physical possession of the card, won't it work for her in a terminal with a chip reader?

quote:

Originally posted by V-Tail:
If a thief has physical possession of the card, won't it work for her in a terminal with a chip reader?

Yes, that would appear to work as well. If they used it at a terminal and signed the name from the card that should work. From what I gather Apple does not require a PIN. So if lost it should be unlinked from the wallet, reported and then standard fraud protection kicks in like other credit cards.

 
Using the physical card is a non-starter, for me, as it only pays 1% cash back. I got one just to see what a card made of titanium sounded like when you drop it. If you do need or want to use it, the actual card number and CCV number are revealed inside the Wallet app on your iPhone, or just stick it in a POS terminal. I used mine once, just to verify it works as a chip card, and it does. I stick to my Visa, which gives better cash back, for online purchases or at POS terminals that do not accept Apple Pay.
 
You can apply for and get an Apple Card to add to your Apple Pay wallet. You don't get the physical card automatically, only if you ask for it. The Apple Card in your Wallet app pays 3% on Apple purchases and 2% on all other Apple Pay purchases. You get this cash back whenever you use Apple Pay, either at a POS terminal or online (more and more websites are offering the Apple Pay option).

You can also get an Apple Cash card via the wallet. That is a debit card, and again a non-starter for me. If you have the Apple Cash card, the cash back from your Apple Card is automatically and instantly credited to Apple Cash. Otherwise, cash back from the Apple Card applies as a credit on your monthly statement. Apple Cash can also be used for sending/receiving money with friends or whoever. But it's a debit card, and I won't have one of those.

Note to those with frozen credit. You need to unfreeze TransUnion (for just a day or two) to apply for the Apple Card.

quote:

Originally posted by V-Tail:
If a thief has physical possession of the card, won't it work for her in a terminal with a chip reader?

Yep, but you can lock the physical card via the Wallet App. Of course, that means you'll need to unlock it any time you want to use it.

quote:

Originally posted by henryaz:

quote:

Originally posted by V-Tail:
If a thief has physical possession of the card, won't it work for her in a terminal with a chip reader?

Yep, but you can lock the physical card via the Wallet App. Of course, that means you'll need to unlock it any time you want to use it.

From Apple: Bolded text by me fo emphasis.

Every time you buy something, you get an instant notification. So you’ll be the first to know if something doesn’t seem right. You’ll also be notified of any unusual activity. Don’t recognize a charge? Just tap to let us know. That’s it. We’ll take it from there, and you won’t be liable for any fraudulent charges.

Still have a question? There’s no need to call. And wait on hold. And listen to elevator music. You can get an answer 24/7 by texting.

I'm thinkin' about it. Having had two cards compromised by compromised POS terminals (Target and Home Depot), I like the security, but I don't know as we feel like keeping track of another card.

I have one, the additional level of security is what I like.

quote:

Originally posted by cparktd:
Seems the the draw is the tight integration all things apple.

And therein lies what I believe to be the real core purpose of this new card...to maintain an even tighter grip on Apple customers. From iTunes, to many other Apple specific applications and functionality, Apple's goal is to tie customers tightly to their ecosystem making it harder and harder to ever separate from them and their products.

If you're a died in the wool Apple consumer, and can't ever see yourself being anything other than that, than this card is likely no big deal for you. For everyone else, they should think long and hard about whether they want to follow Apple down that rabbit hole.

I have had an app on my phone that handles my debit card like this. I can turn it on/off, adjust maximum limits, etc. It alerts me every time there's a charge in real time.

MobiMoney

quote:

Originally posted by bigdeal:
And therein lies what I believe to be the real core purpose of this new card...to maintain an even tighter grip on Apple customers.

Except Apple does not lock you in to their card, exclusively. My AmEx, and bank Visa and MC, are all in my Apple Wallet.

quote:

Originally posted by bigdeal:
From iTunes,

iTunes is essentially dead & gone. (I am annoyed Apple gives me no way to play my music on my phone, though.)

quote:

Originally posted by bigdeal:
Apple's goal is to tie customers tightly to their ecosystem making it harder and harder to ever separate from them and their products.

And that differs from Google/Alphabet how? Or Samsung, which also has their own payment system?

quote:

Originally posted by bigdeal:
If you're a died in the wool Apple consumer, and can't ever see yourself being anything other than that, ...

I guess I'm a died in the wool Apple consumer, then--until and unless something better comes along. Android is straight out. Microsoft was never a contender. Blackberry became an also-ran.

I went ahead this morning and got the card. The security advantages were simply too compelling not to do so.

Got a crappy interest rate, though. 18% . Given our nearly perfect credit score I am somewhat disappointed. I mean to pay the balance off, in full, at the end of each month, anyway, but still...

This message has been edited. Last edited by: ensigmatic,

Anybody got an Apple watch and get this card to work on it? The ol' "Apple just works" is failing for me in getting my Apple card to register on my Apple watch.

quote:

Originally posted by ensigmatic:
Except Apple does not lock you in to their card, exclusively. My AmEx, and bank Visa and MC, are all in my Apple Wallet.

Not the point. Many younger Apple customers will end up with this card being their first and perhaps only card. This will make it more difficult for someone, should they be so inclined, to depart the Apple ecosystem. This is just one more layer for Apple to tie their customers to them.

quote:

iTunes is essentially dead & gone. (I am annoyed Apple gives me no way to play my music on my phone, though.)

My point was that Apple specifically designed and used iTunes to tie their customers tightly to them. iTunes was a closed platform and made moving your music to another platform a royal PITA.

quote:

And that differs from Google/Alphabet how? Or Samsung, which also has their own payment system?

Does Google or Samsung offer an exclusive rewards CC to only their customers? I don't personally know of any. My Android Pay is tied to my Citi CC, which as you noted above, is easily mobile between platforms.

quote:

I guess I'm a died in the wool Apple consumer, then--until and unless something better comes along. Android is straight out. Microsoft was never a contender. Blackberry became an also-ran.

I'm not suggesting you or anyone else should leave Apple or jump platforms. My point was that this CC is just one more way for Apple to try and tie their customers to their ecosystem. And you're right, for anyone with a good credit score, 18% interest is absurd. However, that high interest rate should serve Apple well in taking more cash off a majority of their customers, even if they aren't upgrading their phones.

Story today about NOT storing the card in a leather wallet or against another credit card - you might discolor it permanently..

https://www.theverge.com/tldr/...arning-discoloration

https://www.macrumors.com/2019...eaning-instructions/