Apple Card Coming Soon as Apple Activates Webpages and Launches Preview for Some Users

[ctdonath]

Why are folks so excited about this? Do you do that much shopping at Apple to make a 1% rebate exciting? There are other cards that give back 2% on everything and don't require you to have an iPhone.

Yeah, rebate is meh. Not bad, not great.
But it's daily.
It's in immediately useable cash.
It uses dynamic numbers for better security.
Account maintenance is better integrated in iOS, with better UI/UX.
Fees aren't a concern.
And a minimalist titanium card is just cool.

Maybe that's not for you. Fine, don't get it.
Sounds like a better experience to me. I'll get one day of.

 

[MacClueless]

Anybody know if you have to be on release software to sign up through iPhone? I am running the iOS 13 beta, but I want to put 12.4 back on if it is going to be a problem.

I was wondering the same thing but I would guess it won’t matter because it’s app based I don’t think it will matter?

 

[dontwalkhand]

And what’s the requirements to get either card vs Apple’s?



Hehehe I think you completely confused on the idea of leaving your wallet home. In the USA is it required to always carry your drivers license when driving or do you have 24hrs/30 days to submit it if pulled over or ticketed?



For some of us, this card is a good way to get started on credit or monitoring credit in real time va a sign in page (yet another set of credentials). Since the benefits doesn’t seem to be so limited to Apple only and when it becomes available outside of the USA then Amex or Amazon start to make less sense.

In the US you need to carry your drivers license all the time while driving. You also may need it in certain circumstances such as returning an item without a receipt, or using a signature only credit card, or most obvious, entering a bar where they card everyone in line regardless of age (it checks against a banned list) I think the last category will be the worst to deal with when “Apple Pay ID” is a thing., think untrained employees to the max.

In the US, your DL and your ID is the same card. If you can’t drive you just get an ID card. It is important to always have it on you because you never know when you need it. For example if you forget your Costco card and don’t have their app, you can shop there still if you’re a member if you show your drivers license instead.

That being said I do leave my wallet at home. I have a sleeve with my ID and one backup card in case a place doesn’t have Apple Pay. That backup card will soon be the Apple Card. For Costco I use the citi visa which is already in my Apple Pay

 

[MacClueless]

Either way those of us in North America the complete digital wallet is still some time away from full reality

You’re living in the past then, many states will have phone based ID in the next year or so which is the last thing for most of us.

 

[asopublic]

Goldman Sachs used to own TransUnion. I’m not sure if they own any of it now.

 

[BlueTide]

Kind of strange that after all the Mac news and announcements, this card is likely what I eager to get the most. Not very rational, but who cares. Especially now in the Bay Area when Apple Pay seems to be rather ubiquitous.

 

[MacClueless]

That backup card will soon be the Apple Card.

I wouldn’t suggest a 1% cash rebate card as good backup, the worst thing about the Appel Card is the physical card. Leave it at home.

 

[Awsaim]

I was excited about Apple Card, but then I saw Chase Freedom Unlimited offers 3% off everything the first year and $150 cash back for spending $500 the first 90 days. Also extended warranty protection.

Just get both then, the Apple Card doesn’t have an annual fee

 

[dontwalkhand]

You’re living in the past then, many states will have phone based ID in the next year or so which is the last thing for most of us.

I was told by the DMV that in Arizona expect to be around December. Louisiana already has one. Delaware has a beta test

 

[MacClueless]

I was told by the DMV that in Arizona expect to be around December. Louisiana already has one. Delaware has a beta test

Yeah weird that guy thought it was so far away? Iowa was the first state decide to test digital driver's license in 2014!!!

Here’s how DDV will work. Can’t wait!

 

[dannyyankou]

Just get both then, the Apple Card doesn’t have an annual fee

Neither does. Maybe I'll sign up for the Apple Card next year when the 3% cash back goes down to 1.5% on the Chase. Then I'll use Apple Card anywhere that accepts Apple Pay.

 

[MacClueless]

Neither does. Maybe I'll sign up for the Apple Card next year when the 3% cash back goes down to 1.5% on the Chase. Then I'll use Apple Card anywhere that accepts Apple Pay.

Personally prefer not to do business with Chase / Bank Of America / Wells Fargo. I dont like the monster mega banks.

 

[dontwalkhand]

Yeah weird that guy thought it was so far away? Iowa was the first state decide to test digital driver's license in 2014!!!

Here’s how DDV will work. Can’t wait!

The video was even Wyoming, which is a state of no more than 500,000 people and they're even on top of the game. Australia is even using the same companies that these states are using for their DDL, pretty cool stuff!

 

[bob2k2]

What good news was that? As someone who bought things from Apple.com with the Barclays card and will be shifting that spending to AppleCard, I'm curious if I should keep the Barclays?

If you cancel your Barclays card it will negatively affect your credit score. I would recommend waiting a while just not using it
[doublepost=1565092830][/doublepost]

Any idea what credit bureau Goldman Sachs uses? I have a freeze on all my lines of credit and will most likely need to unfreeze one of them before I’m issued a card.

When I googled it it showed that at one point there was an association between Goldman Sachs and TransUnion. Recalled when i applied for my Barclays card to purchase a computer their rep said to unfreeze my TransUnion account.

 

[justperry]

Tough to use it with no NFC.

I thought it had NFC.

 

[DNichter]

By my calcs the metal of the card is worth less than a penny.

I just imagine I'd like the feel of it.

 

[dontwalkhand]

t

I thought it had NFC.

5S does not have NFC. If you’re seeing people pay with 5S’ it’s because you’re seeing the iPhone SE which looks like the 5S

 

[Alan Gordon]

If the seller has to pay high fees (and he has, otherwise the credit card company could not afford such high cash back) ultimately the customer will pay higher prices (otherwise the seller couldn't afford to pay such high fees). Free money doesn't exist.

In Europe there is a cap to the credit card fees, as a result cash back is almost non existent because credit card company can't afford it. On the other hand prices tend to be cheaper (unless it's imported stuff of course).

I'm not going to lie. I didn't expect you to offer a good point, but you did.

That being said, I'm not going back to cash regardless of cash back deals.

 

[tmiw]

I'm not going to lie. I didn't expect you to offer a good point, but you did.

That being said, I'm not going back to cash regardless of cash back deals.

Although...how much of the supposed lower prices is due to lower interchange vs. lower expenses in general? Or even simply more competition? (For instance, in a lot of the US, Walmart may very well be the only grocery store option one has.)

 

[Alan Gordon]

Although...how much of the supposed lower prices is due to lower interchange vs. lower expenses in general? Or even simply more competition? (For instance, in a lot of the US, Walmart may very well be the only grocery store option one has.)

I was focused less on his point about the differences between the U.S. and Europe, than the point about about POS fees.

 

[tmiw]

I was focused less on his point about the differences between the U.S. and Europe, than the point about about POS fees.

Yep. My point was that we can't be sure that prices are lower simply because of lower interchange or other factors. Though I'm sure someone probably did a study on that and posted it somewhere.

 

[justperry]

t

5S does not have NFC. If you’re seeing people pay with 5S’ it’s because you’re seeing the iPhone SE which looks like the 5S

Yeah, wasn't aware of this.
Cheers

 

[s2s]

How to use Apple Card on those online payment gateways which require filling in card expiry date?

 

[dontwalkhand]

How to use Apple Card on those online payment gateways which require filling in card expiry date?

In the wallet app, tap the Apple Card, tap the three dots, tap show card info, Face ID, the card numbers are there. Copy and paste the numbers out of there to whatever app/website you’re using. If you’re using Safari, you already have the option to pre-fill in credit card info as well when a site doesn’t take Apple Pay.

 

[s2s]

In the wallet app, tap the Apple Card, tap the three dots, tap show card info, Face ID, the card numbers are there. Copy and paste the numbers out of there to whatever app/website you’re using. If you’re using Safari, you already have the option to pre-fill in credit card info as well when a site doesn’t take Apple Pay.

so it does have an expiration date? hmm, why I read somewhere that Apple Card never expires... so I am thinking of using it for all recurring payment so I don't need to repeat the old way of using credit card -- update card info after received new replacement credit card... happy for nothing :-(