What Is an Apple Card?
Apple Card is a simpler and smarter credit card from Apple Inc. The credit card is issued by Goldman Sachs. It's a stand-alone credit card. However, it's designed to be used with Apple Pay or the iPhone's Wallet application. Unlike conventional credit cards, Apple Card doesn't have a card number or CCV code. Anytime you require this information, you can retrieve it from your Wallet app.
What Are the Requirements for Apple Credit Cards?
There are specific requirements you should meet to start using the Apple Card.
- Must be 18 years or older.
- Be a U.S. citizen or live lawfully in the U.S. with a permanent U.S. residential address (no P.O. boxes allowed).
- Have an iPhone installed with the latest operating system (iOS).
- You must activate the Two-factor authentication (2FA) with your individual Apple ID.
- Have access to your iCloud using your Apple ID.
- You must sort any "freezes" on your credit report prior to applying for the Apple Card.
- You will sometimes be required to verify your identity using a state-issued photo I.D. or driving license.
How Can I Apply for an Apple Card?
If you're already using an iPhone. Here's is what you need to do. First, scroll to the Wallet app and open it. Tap the plus (+) button in the upper-right corner. And then you can locate Apple Card and select it. Fill in the form with the required details, including your name, birth date, email, and phone number. You will be offered a specific credit limit and your interest rate. Hit "Accept."
If you're using an iPad, simply go to the setting step, and then "Wallet & Apple Pay". Clearly, the sign-up process is easy, especially if you own an iPhone compatible with Apple Pay.
Can I Get a Cash Advance with an Apple Card?
Concerning borrowing money, you are probably thinking of using the Apple Card to get cash advances. Unfortunately, it's not possible to get cash advances using the Apple Card. However, this doesn't prevent you from getting a cash advance online. iPaydayLoans can help you find safe and secure cash advances to meet your urgent needs.
Normally, getting quick financial assistance is the best way of solving your pressing issues. This is where cash advance loans come in. iPaydayLoans is an online broker that can assist you in finding reputable lenders online. By relying on iPaydayLoans, you save time that you would have used in trying your luck with different lenders.
 | Why Us | |
|---|---|---|
| How much can I borrow? | $50-$35,000 | No hidden fees or charges |
| I have bad credit. Can I apply? | Yes | Bad credit is considered |
| Over how long can I spread the repayments? | 1-36 months | Fast decisions |
| Are credit checks involved? | Yes | Soft credit checks only |
| Chances of getting approvals | Good | 256-bit encryption protocol |
| How to apply? | Apply online | Easy application |
Will Apple Cards Build My Credit Score?
Yes. The more you use the Apple Card responsibly, the more you build your credit score. Like any other credit card, the best way to do this is by making on-time payments and ensuring that your credit balance is kept low. It's worth noting that the Apple Card will report your credit activity to Experian, TransUnion, and Equifax.
Therefore, it's important to apply for this card and use it in the best way possible to guarantee you build your credit rating over time.
More Questions? We've Got You Covered
Still unsure of the Apple Card and how to use it? The following FAQs should help resolve some of the questions you have in mind.
1. How Can I Use an Apple Card to Make a Purchase?
It's easy to make purchases with the Apple Card. You can use Apple's devices, including an iPhone, iPad, Mac, or Apple Watch. In situations where you find Apple Pay isn't accepted, you can use your virtual card number or your titanium card. If you plan to use an Apple Card more often, you can make it your default payment card.
2. What Are the Fees Associated with Apple Cards?
The good thing about Apple Card is that it's a no-annual-fee credit card. You won't be paying an annual fee to use and maintain the card. Moreover, you won't be charged foreign transaction fees, cash advance fees, or late fees. If your payments are delayed for any reason, you won't be stuck with an APR penalty.
3. What If I Fall Behind on My Payment?
You might think that falling behind on your payment will attract penalty fees on your Apple Card. One unique aspect of the Apple Card is that it doesn't attract any late fees or over-the-limit fees. Therefore, you can continue using the card after repaying your pending balances.
4. Can I Get a Physical Card, Or Is It Electrical Only?
You can get a physical Apple Card and still use it as a digital wallet. It all depends on the convenience you want when using your card. Nonetheless, you get 1% back when using your physical card.
5. Is an Apple Card Right for Me?
The benefits of the Apple Card prove that it's worth using the card. The card is right for you if you're already using an iPhone and you're familiar with Apple Pay. You can enjoy the convenience and simple rewards the card offers. Moreover, it's a great option if you're looking to get same-day access to the platform's cash-back rewards.