How to Sign Up for and Use Your Apple Card

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The Apple iPhone Card is finally here. Apple’s first credit card can live as a virtual card in your Apple Wallet and be used for purchases wherever Apple Pay is accepted, or you can snag a physical titanium card. Launched in partnership with MasterCard and Goldman Sachs, Apple Card promises no annual or international fees and doles out “Daily Cash” points that can be used or applied to your card balance the next day.

All you need to get started is an iPhone running iOS 12.4 or higher, an iCloud account, and an Apple ID with two-factor authentication enabled. The application process is designed to be simple, but there are several steps involved. Here’s everything you need to know about signing up for and using your Apple Card, both online and in stores.

Apple Pay vs. Apple Cash vs. Apple Card:

Apple now has three different payment services to choose from, so you’ll be forgiven if you get confused between Apple Pay, Apple Cash, and Apple Card, all of which work together and live inside the iOS Wallet app. Apple Pay is a mobile payment service allowing users to add and manage their credit and debit cards in the Wallet app; it can be used for App Store or online purchases, and for in-store contactless payment transactions.

Apple Cash is a peer-to-peer payment service that primarily exists inside iMessage. Think of it as Apple’s answer to Venmo. Users can send and request money directly from the messaging screen. The balance is kept in a separate account inside the Wallet app, which can then be sent to your connected bank account, used to pay off your Apple Card balance, or spent through Apple Pay. Apple Card is a credit card that sits inside the Wallet ecosystem. Aside from being a standalone card, it can also be used as a payment method with Apple Pay. The card’s Daily Cash rewards are sent to the user’s Apple Cash balance, which can then be moved elsewhere.

What Is My Apple Card Number?

Each Apple Card has a 16-digit virtual card number similar to a traditional credit card, but there’s also the device account number, which tracks the iPhone, iPad, Mac, or Apple Watch through which you’re using the card. If you order a physical card, it will have its own unique card number that won’t be printed on the card itself. It’s not the same as your virtual account number, but the two are linked. So if you change your virtual account number, you’ll need to replace the physical card as well. You can view all three of these numbers by selecting the Apple Card in the Wallet app, opening the three-dot menu, and selecting Card Information.

What Is Apple Card Daily Cash?

Apple Card offers cashback rewards like a traditional credit card, but goes about it a little differently. Instead of waiting a full billing cycle, the Daily Cash rewards you accumulate are processed on a daily basis and show up in your Apple Cash balance the day after you make a purchase.

How to Sign Up for Apple Card:

The Apple Card sign-up process is quick and easy. Open the Wallet app and choose the + sign. If you see an explanation page for Apple Card, tap Continue. Select Apple Card from a list of payment methods, then fill in your personal information: name, date of birth, the last four digits of your Social Security number, and annual income. Once you agree to the terms and conditions, Apple will provide details on your credit limit and interest rate. Agree to the terms by tapping Accept Apple Card, or back out by tapping No Thanks.

How to Order a Titanium Apple Card:

You can request a physical card during the sign-up process by entering your mailing address. To do it later, open the Wallet app, tap Apple Card > () > Get Apple Card, then fill in the necessary information. Once you receive the titanium Apple Card in the mail, you will need to activate it; the process varies depending on your phone model. For iPhone XS, XS Max, and XR, place your phone near the card and tap Activate on the screen. IPhone X and earlier models require you to open the Wallet app first and select Activate, then hold the device close to the card and confirm activation.

How to Pay With Apple Card in Stores:

As soon as you sign up for the Apple Card, it’s immediately activated and ready to make purchases. You don’t need the physical card to use it in brick-and-mortar stores. Look for the contactless payment icon at the register and use the card like you would when paying with Apple Pay.

Double-click the side button on your iPhone, then authenticate the purchase with Face ID; for older iPhones, hold your finger on the home button and authenticate with Touch ID. For Apple Watch, double-tap the side button and make sure Apple Card is selected. The Apple Card works everywhere MasterCard is accepted, but if you’re at a store that doesn’t accept contactless payment, use the physical card just as you would a traditional credit card.

How to Pay With Apple Card Online:

When shopping online, select the Apple Pay button to pay with the Apple Card. Double-click the side button on your device and use Face ID (or Touch ID on older iPhones, iPad, and Mac) to authenticate the transaction. If there’s no Apple Pay option, make sure you’re in Safari, or access your card’s virtual card number. Select Apple Card in the Wallet app, open the three-dot menu, and select Card Information. This page will show you the account number, expiration date, and security code, which you’ll enter into the appropriate web form. Apple Card will also be saved to your iCloud keychain and can be added to Safari AutoFill preferences, so you don’t have to constantly go looking for your card number.

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