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APPLE ANNOUNCES ITS PHYSICAL CREDIT CARD

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To get an Apple Card, users will be able to sign up on their iPhone in the Apple Wallet app and get a digital card that they can use anywhere Apple Pay is accepted “within minutes.” Customers will also be able to track purchases, check balances, and see when their bill is due right from the app. There will be a physical titanium card, too, but there’s no credit card number, CVV, expiration date, or signature. All of that authorization information is stored directly in the Apple Wallet app.

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Apple Card está grabado en titanio, no cuenta con un número de serie, firma y tampoco con numero CVV. Todo esto es para tener una tarjeta segura, pues toda transacción será digitalizada y privada.  Para diferenciarse solo encontraremos el nombre del portador, el chip de seguridad y el logo de Apple. Incluirá también una versión digital que forma parte del servicio (también llamado) Apple Card. La numeración será almacenada de forma segura y la introducción de clave PIN estará reemplazada por Touch ID y Face ID.  

Apple also says that it’ll use machine learning and Apple Maps to label stores that you use in the app, and use that data to track purchases across categories like “food and drink” or “shopping.”

Instead of a points-based reward program, Apple Card gives cash back rewards in the form of Daily Cash, which is applied straight to your Apple Card to spend or put toward your purchases. Apple is offering 2 percent cash back on purchases made through Apple Pay using an Apple Card, and purchases from Apple will get 3 percent cash back. Purchases made through the physical card will get just 1 percent cash back, though.

As rumored, Apple is partnering with Goldman Sachs for Apple Card, with Mastercard handling payment processing. Additionally, the company is promising that there will be “no late fees, no annual fees, no international fees, and no over limit fees” with the Apple Card and “lower interest rates” with no penalties for missing payments, with APR rates ranging from 13.24 percent to 24.24 percent based on credit. (The company also notes that “late or missed payments will result in additional interest accumulating toward the customer’s balance.”)

Like many of Apple’s products, privacy is a big push here. “Apple doesn’t know what you bought, where you bought it, and how much you paid for it,” said Jennifer Bailey, VP of Apple Pay. All of the spending tracking and other information is stored directly on the device, not Apple’s servers. The company also promises that “Goldman Sachs will never sell your data to third parties for marketing and advertising.”   

 

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Will be great to see how much apple profits off giving every kid a credit card.

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I think the concept is pretty neat, as well as the interface that is coming along with it, but I agree.. apple is definitely getting something out of it.

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So Apple is a Bank now so not expected :D 

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Will be great to see how much apple profits off giving every kid a credit card.
Cheers

 

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so useless lol you can already make this with all online bank already, i have this solution since 3 year with N26 bank and the cash back offert is a totaly joke when your are an entreprise who don't her pay taxe and work with partener who have so big margin on all product -_-

Edited by titcrunch

Best Regards
Titcrunch

French webdesigner in camel Design, Support, help and tutorials in : Forum Camel Design.

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Looks nice but the benefits aren't any better than a regular cc from your bank.

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"Let's reinvent the wheel" - Apple.

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On 3/30/2019 at 9:01 AM, Joka96 said:

So Apple is a Bank now so not expected :D

Apple still isn't a bank. If you read the terms and conditions for the credit card, you'll see that the card is issued by Goldman Sashs Bank in Salt Lake City, Utah, U.S.A.


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Apple will do anything to make money lol

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What do you think? Remember the human.
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