[Megathread] Apple Card FAQ + Support Thread
This is the FAQ and the megathread support thread for Apple Card. Hopefully all your questions are answered in the FAQ, but if you have a question not yet answered in the FAQ, drop it below. If you make a separate post, it will be removed.
**What’s the Apple Card?**
The Apple Card is a *credit card* desgined by Apple, issued by Goldman Sachs and powered by MasterCard.
Given that the Apple Card is a credit card, if you are new to the concept, read in Credit Karma, or NerdWallet on what’s a credit card, how credit score works, and what’s the benefit of having one, or several, credit cards.
**Who/What is Goldman Sachs?**
Goldman Sachs is a bank that mostly focuses on investments. Their consumer products include savings accounts, CDs, and personal loans via [Marcus](https://marcus.com). They don’t offer checking accounts, and Apple Card will become their first credit card offered. They are also the current ‘managers’/developers of the finance management tool [Clarity Money](https://www.marcus.com/us/en/clarity-money) after being acquired [last year when it was just a start up](https://www.reuters.com/article/us-clarity-m-a-goldman-sachs/goldman-sachs-buys-personal-finance-start-up-clarity-money-idUSKBN1HM0Z7)
**What is MasterCard?**
**What do I need for the Apple Card?**
* Be over 18 years old
* Be a citizen of the United States or be an [alien](https://www.uscis.gov/tools/glossary/resident-alien) ?
* Have some credit history (unlikely to get approved starting “fresh”)
* Setup [Apple Cash](https://support.apple.com/en-us/HT207886) (if you want the Daily Cash to be deposited into a card, and not applied to the statement balance)
* iOS 12.4 (iOS 13 works, just make sure you are on the latest build)
* [2FA](https://support.apple.com/en-us/HT204915) for your iCloud account
* An iPhone 6 or later
**How do I apply?**
[Open Wallet App. Tap +. Tap Apple Card. Fill in your info. Accept. Done.](https://www.youtube.com/watch?v=rVFUocmDNVM)
**What are the interest rate?**
Between 12.99%-23.99%. This is different from originally announced, as before it was 13.24%-24.24%
**Any fees associated?**
**What agency will report the hard inquiry?**
[Transunion, according several Redditors](https://www.reddit.com/r/apple/comments/cn78mg/credit_freeze_which_agency_is_checked_when/)
**What benefits do I get with the card?**
Aside from what you can already imagine (the basics), you can get a Shoprunner membership. That’s it.
See [benefits at Mastercard’s website](https://www.mastercard.com/apple-card-mastercard-benefits.html).
**Can I see the agreement?**
A’ight lawyer, here you go: https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf
**Can I add to other devices?**
Yes, just head over to the Settings app -> Wallet & Apple Pay for the Mac and iPad and add a card. Apple Card should show up then.
In the Apple Watch, go to the Watch app and scroll down to the Wallet & Apple Pay section and add a card.
Android devices to be tested. You can’t add the Apple Card to Apple Pay to a device that is not signed in to your Apple ID.
* There is no app/website to manage Apple Card on anything other than an iPhone
* To add the Apple Card on a Mac, you need a **Touch ID capable Macbook Pro/Air**. All other Macs should have the option to “Allow Payments on Mac” option enabled on an iPhone to use Apple Card on the web. This process will allow you to authenticate with the iPhone or Apple Watch. That setting can be found on the iPhone Settings -> Wallet & Apple Pay at the bottom.
**What’s will be my credit limit, APR?**
No one in this sub knows. Apply and find out. Since there are variables, and you bring in a bunch of factors, things can be different.
**When does the hard inquiry happen?**
Ok, let me run back a bit to explain something:
When you apply to a credit card, the bank needs a copy of your credit report to see if they can approve you or not, and if they do, what will be your terms. When the bank requests the copy, a [hard inquiry](https://www.creditkarma.com/advice/i/hard-credit-inquiries-and-soft-credit-inquiries/) is performed. A hard inquiry *can* affect your record, but not by a lot. You should do further reading on inquiries before applying.
In the case for the Apple Card, when you apply, you will see what you will be approved for. Similar to a [pre-approved credit card offer](https://www.thebalance.com/what-is-credit-card-pre-approval-960210). If you accept the terms (limit and APR), then a hard inquiry will be done.
**What’s the rewards system for the Apple Card?**
* 1% on every purchase you make with the physical card
* 2% on Apple Pay purchases
* 3% on Apple purchases (including App Store/iTunes, Apple.com, and Apple services like Apple Music, Apple TV, iCloud Storage).
Edit: As of today, Uber and Uber Eats now qualify for 3%. Payments to Citizens One for the iPhone Upgrade Program count for the 3%
**What ‘separates’ Apple Card from the others?**
This will be a long list:
* Daily Cash
Daily Cash means that you will earn your rewards every day. Most, if not all cards, make you wait until next statement to make the rewards available to you. Apple will deposit the rewards on your Apple Cash Card account (assuming you set that up) which then will allow you to either transfer to your checkings account or keep it in that account to use with Apple Pay.
[Screenshot](https://www.apple.com/v/apple-card/a/images/how-it-works/cash_back__gjms00y8jpua_large_2x.jpg) – [Video](https://www.youtube.com/watch?v=TpBj7TA1_CM)
Apple’s Wallet app will allow you to see your transactions organized by categories and will even map out where your made the purchase (assuming you used Apple Pay at a store). Most cards do not offer this, or not to the same extent as Apple Card.
[Screenshot 1](https://www.apple.com/v/apple-card/a/images/how-it-works/category__dnhj8rtckc2u_large_2x.jpg) – [Screenshot 2](https://www.apple.com/v/apple-card/a/images/how-it-works/maps__bgghzvz35pn6_large_2x.jpg) – [Screenshot 3](https://www.apple.com/v/apple-card/a/images/how-it-works/spend_reports__dd3tlyu3mpyu_large_2x.jpg)
* Interest calculator within the app
Banks make their money from interests. They don’t want you to see how much you will save in interest if you pay more. Apple is not in that business.
Demo: blob:https://www.apple.com/aaf03833-a842-574b-98ad-9402d1019a61 (copy and paste into your browser, including the “blob:” – [Friendly Mirror](https://giphy.com/gifs/kbzwmz4DrDCK1JW8yG)
* Due Dates
If you have several cards, you will have due dates that are random and may not make sense. Apple wants to make it simple by making the due date on the last day of the month.
Were you expecting a screenshot?
* Interactive notifications for fraudulent activity
One advantage of having a “first-party” credit card from the makers of the OS that powers your iPhone is having them do things ‘perfect’. If Apple detects a fraudulent activity, you will get a notification. Force touch it (or long press it) and you will have detailed info of what’s going on, including the location. Tap whether it’s okay or not and keep going your way. All from the lock screen.
Are you still expecting a screenshot? [Here you go](https://www.apple.com/v/apple-card/a/images/how-it-works/fraud_protection__fs8lg9f8tnqm_large_2x.jpg), now leave me alone
* No card numbers in the physical card
Yep. Maybe a drawback for some, but not for others. Apple will keep the card number saved in the Wallet app, and iCloud’s keychain (for fill-in). You can keep your card saved in your password manager like 1Password for easy access on [Apple Watch (this is the 1Password app)](https://i.imgur.com/Wjkd7nU) and other platforms as well.
This will also allow you to change card numbers on-demand if you believe that the current numbers are compromised. If you lose the card, you should contact Apple (see below)
And since we are in the topic, the Apple Card will have your name, Apple’s logo and in the back, Goldman Sachs’ logo and the MasterCard logo.
[How to find your card number](https://www.youtube.com/watch?v=KGuaR0USvbE) – [Screenshot 1](https://www.apple.com/v/apple-card/a/images/privacy-security/credit_card__bra3enyjaf36_large_2x.jpg) – [Screenshot 1 (back side)](https://frequentmiler.boardingarea.com/wp-content/uploads/2019/03/Apple-Card.png)
**Any integrations with third-party apps?**
No, at least not yet. In the [“See your Apple Card spending history”](https://support.apple.com/en-us/HT209489) KB article, Apple states:
> Exporting data from Apple Card to a financial app like Mint is not currently supported.
**How do I get support?**
[Open Wallet. Tap “…”. Tap “Message”. Ask a question. Done.](https://www.youtube.com/watch?v=Qf95qO3av1M).
**How do I activate the card when I get it?**
* On iPhone 6 up to the iPhone X – [Open Packaging. Open Wallet. Tap Activate. Hold near packaging. Done.](https://www.youtube.com/watch?v=WrybAHup-Sc)
* On iPhone XS, XR and later – [Open Packaging. Wake. Hold near. Tap Activate. Done](https://www.youtube.com/watch?v=VdYXLUjwPhc)
It also seems that the packaging will be different depending on the device you ordered the card from. See the packaging’s text on both videos. If you are wondering why the steps is different for the newer devices, it’s because the newer iPhones [have passive scanning for NFC](https://9to5mac.com/2018/09/12/iphone-xs-and-iphone-xr-can-read-nfc-tags-without-having-to-launch-an-app/). Same reason why you can run automations for Shortcuts off a NFC on the later devices.