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Last week, Apple rolled out the ability to apply for the Apple Card on the web in the United States, providing customers with another option beyond the Wallet app on the iPhone to get approved for the company's credit card.

apple-card-apply-on-web.jpg

To begin, head to the Apple Card application page on the web, click or tap on the "Apply Now" button, and follow the on-screen instructions. As usual, the process takes just a few minutes, and if approved, a virtual ‌Apple Card‌ will be available for purchases immediately. A physical, titanium Apple Card can also be requested through the Wallet app for use at retail stores that do not accept contactless payments.

Apple Card's key features include color-coded spending summaries, no fees, and up to three percent cashback on purchases, paid out daily. The card remains limited to the United States, but an international expansion will likely happen eventually.

Article Link: You Can Now Apply for Apple Card on the Web
 

Robert.Walter

macrumors 68020
Jul 10, 2012
2,083
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Thats not on Apple its on your banks and government. From what I have read getting 2 percent cash back is nearly impossible to sustain in most of the EU. I doubt Apple wants to have a wide variety of rewards for each country etc.
It’s not on the banks, just partner Goldman, who has a surprising number of international bank registrations.
 
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dinobear

macrumors regular
Jul 22, 2020
141
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Hmm, I definitely applied for the apple car on the web in September when I ordered my 16". Through apple.com in safari on my Mac. I know it wasn't with the wallet app because a month later I actually had to look up how to view my balance and whatnot and that led me to the wallet app. US customer.
 

Airforcekid

macrumors 68000
Sep 29, 2008
1,652
531
United States of America
I said nothing about local conditions.

Only that Goldman has the strategic assets in place to roll out a card if they choose or Apple requires them to do so.
Yeah they have the resources to distribute the actual cards but they could not bring in even half the revenue they do in the US at best it looks like they would have to be capped at 1 percent unless they introduce an annual fee and interest free loans are also more difficult to offer from what I have read. Apple would basically be offering an entirely new product from the US version.
 
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Airforcekid

macrumors 68000
Sep 29, 2008
1,652
531
United States of America
I don't know what the factors, constraints, hurdles, difficulties etc. are. I'm looking forward the to Apple Card coming to Europe.
The EU and most of the world has stricter limits on merchant fees it can get up to 3-4 percent in the US while in the EU it caps around 1.5% for certain categories. 2% cash would be impossible to sustain and 1% would likely just break even unless they offer it for limited spend categories. Two possible work arounds would be an annual fee of say 99 euros to cover some of the rewards and any interest free fees they cant make up in the spend or charge a high interest rate so the heavy spenders that carry a balance reward the ones who pay off monthly.
 
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0279317

Cancelled
Jan 2, 2020
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The EU and most of the world has stricter limits on merchant fees it can get up to 3-4 percent in the US while in the EU it caps around 1.5% for certain categories. 2% cash would be impossible to sustain and 1% would likely just break even unless they offer it for limited spend categories.
Thanks for the info but what I meant was, whatever the issues are I hope they work them out.
 
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zorinlynx

macrumors 604
May 31, 2007
6,925
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Florida, USA
Apple is probably going to be pushing Macs more now that they have such great machines coming out with Apple Silicon. So I suspect this is their way of making sure customers can access certain services like Apple Card from a Mac as easily as they can on an iPhone.

I'm chuffed to see Apple giving more attention to the Mac lately. Macs have felt second fiddle for a while; yet they're so much more capable than iPhones and iPads.
 

PinkyMacGodess

macrumors 604
Mar 7, 2007
7,399
3,757
Midwest America.
And you still can't have family on the account. It's been over a year since that was an issue for people, and Goldman Sachs seems determined to not fix it.

And I still wonder why they chose Goldman Sachs in the first place, what with their reputation and all...

EDIT: I do believe that my wife was told that she COULD add me to her card. It was one of the reasons she got it. Then, tried multiple times to add me, and got the runaround. I showed her a copy of the agreement that she wasn't given and it said something about no family users. So Goldman Sachs can cheat and lie and screw nations out of trillions, and wag governments like a Beagles tail, and won't let people have spouses on their cards. THAT is too much for them? They were the ones that figured out how to make money on a 'down market', and appear just fine with another economic collapse. Such activities are what parasites do. (She got it for the bonus on buying Apple products)
 
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