“Thousands of Apple employees are using the Apple Cardevery day in a beta test and we will begin to roll out the Apple Card in August,” Apple CEO Tim Cook said.
The Apple card can be used by tapping an iPhone at a payment terminal, or by using a physical card made out of titanium that Apple will also ship.
Signing Up for Apple Card:
According to Apple, signing up for Apple Card will be as easy as opening up the Wallet app, tapping on the Apple Card interface, and walking through the activation steps.
Once you’ve signed up for Apple Card, it will be available for use directly for digital purchases, suggesting Apple will have some kind of pre-qualified application process in place. Apple says availability is subject to credit approval, so you need to qualify for Apple Card just like you do with any other credit card. For traditional purchases, you will need to wait until Apple ships you the physical Apple Card.
Using Apple Card with Apple Pay:
Apple Card is planned to work with any other credit or debit card stored in the Wallet app for use with Apple Pay. You can set it as the default card and use it for in store purchases on iPhone and online purchases on Apple Watch,iPhone, iPad, and Mac.
Using Apple Card for Non-Apple Pay Purchases
If you want to pay for purchases that can’t be made with Apple Pay, you can use the physical version of the Apple Card that Apple sends once you sign up.
According toGoldman Sachs, Apple is associating with MasterCard, so the physical Apple Card can be used wherever MasterCard is accepted. MasterCard is global around the world, so the Apple Card should be accepted wherever MasterCard is available.
The Titanium Apple Card
With Apple Card you can make digital Apple Pay payments, but Apple is also providing a physical card. Since this is a credit card designed by Apple, it is, of course, unique among credit cards.
It’s made entirely from titanium, which is laser etched with your name. The front of the card does not have a card number or an expiration date listed, and on the back, there’s no CVV and no signature. If someone finds or steals your card, there’s going to be no real way for them to use it, at least for online purchases.
There’s still a traditional magstripe on the back, along with a built-in chip. While the card number and CVV are not on the card itself, you can find them in the Wallet app if you need them.
When you actually get your physical Apple Card, you’ll be able to tap it to theiPhone to activateit, so you won’t need to place a phone call for activation like you have to do with existing credit cards. The physical Apple Card will not support contactless payments – you need to use your iPhone for Apple Pay payments. There is no cost for the card and there is no fee associated with replacing it if you lose it.
As with any other credit card, there is a credit limit for Apple Card that will vary from person to person. A better credit score means a higher credit limit, and credit limit also increases over time.
You’ll be able to pay your Apple Card balance using a linked bank account or Apple Cash in the Wallet app.
Apple says there are no annual fees, international fees, fees for making a late payment or fees for exceeding your credit limit. There are no foreign transaction fees, but the exchange rate for foreign transactions is determined by MasterCard.
Apple says Apple Card will offer an APR between 13.24% and 24.24 % based on your credit score. On the low end, that’s lower than the national average APR of 17.67 %, so the card will be a good deal for those with high credit scores.
With lower credit scores, it will be in the range of offerings from other credit card companies. A wide APR range like this means Apple will be making this card available to most people, even those with less than stellar credit scores. There are tools built into the Wallet app to encourage you to pay off your balance quicker to avoid interest fees.
Apple offers cash back rewards system for the Apple Card, providing daily cash up to 3 %. Depending on your particular spending habits, there may be better options available (Apple Card Rewards vs others).
With Apple Card, you get 1% cash back for all of your purchases, which is just okay compared to many other credit cards available. On purchases made with Apple Pay, you get 2 % cash back, a good motivator to use Apple Pay where available.
For purchases made from the Apple Store (physical or online) you’ll get 3% percent back. This also includes purchases made from the App Store, iTunes Store, and Apple services.
One of the perks of Apple Card’s rewards system is “Daily Cash,” with Apple paying out your cash back bonuses on a daily basis rather than making you wait weeks for them to show up on a statement.
If you’ve signed up for Apple Cash (the feature that adds an Apple Pay Cash debit card to your Wallet for sending and receiving money from friends) you will get your Daily Cash pay-outs on your Apple Cash card.
Apple Cash is required for Daily Cash, but if you don’t have Apple Cash set up, you’ll still get your rewards, just on a monthly basis as a credit on your statement balance.
How Daily Cash Can Be Used
Your Daily Cash balance, which is transferred to your Apple Cash card (essentially an Apple debit card) can be used for Apple Pay purchases, sent to friends or family using the Apple Cash feature in Messages, or transferred over to your bank account.
Apple Cash can be transferred to your bank account at no cost, a process that takes between one and three days. There’s also an Instant Transfer feature that will cost one percent of the total money being sent. Transfers can be initiated in the Wallet app after linking a bank account to Apple Cash.
Spend Tracking and Budgeting
All transactions made with the Apple Card are listed clearly in the Wallet app with color-coded categories like Food and Drinks, Shopping and Entertainment, and more. Apple Card will also offer weekly and monthly spending summaries, again using the same color coding so you can see what you’re spending at a glance.
As is the case with many cards added to Apple Pay, when you make a purchase with Apple Card, you’ll get an instant notification right on your phone. This will let you know immediately if there’s a charge that you don’t recognize, and there are built-in tools for flagging a fraudulent purchase.
Clear Transaction Labelling
Apple is using machine learning and Apple Maps to make sure that all of your Apple Card transactions are clearly labelled. If you’ve opened up a credit card statement and have seen a confusing arrangement of truncated letters and numbers instead of a full merchant name, that’s the problem Apple is solving.
All transactions are listed clearly with merchant name and exact location so you can better keep track of what was purchased and where it was purchased.
Apple Card will show you multiple payment options and it will calculate the amount of interest that you’ll be paying on different payment amounts in real time. Apple says Apple Card will encourage customers to pay a bit more every month to cut down on interest, and it will offer the flexibility to schedule payments in multiple ways, weekly, biweekly, and monthly rather than just monthly.
We offer a 180 Days warranty on all our repairs. If the original repair fails because of a defect with a part we installed, we will replace the part at no charge.
You only want the best technicians working on your electronic devices. Our highly skilled staff of technicians are true experts and will get your device working like new.
Same Day Repair
Most repairs can be done same day, while you wait. We know how inconvenient a broken device can be, so we work quickly to fix the issues and get you connected back in.
We believe in a hassle free repair process. We diagnose your device for free. Once we determine what is needed for your repair, we will contact you with an obligation free repair quote. You can choose to continue with a repair, or not, the choice is always yours.
Let's Sea What Some Have To Say
Jul 02, 2020 18:56
Easy to deal with, super professional and very fast. They will always get my business
Jul 01, 2020 21:35
First off I would just like to recommend going here to iFixScreens in central islip if anyone is looking to get their phone screen fixed and doesn’t want to spend a long time waiting, Im pretty sure
Jul 01, 2020 21:05
Great place Ana is really nice and friendly she repaired my iPhone in 15 minutes and I look great
Jul 01, 2020 16:41
I'm very happy I came here and Anna helped me restoring my information that I thought was lost but she helped me and I highly recommend this place
Jul 01, 2020 16:23
Very good service. Fast, fairly priced, reliable.This is where I’m going for all my phone repairs.
Jun 29, 2020 17:47
I highly recommend this place they have great customer service and they do good and fast repair
Jun 29, 2020 17:38
Excellent place great customer service they fix my iPhone really quick and it looks great I recommend this store
Jun 29, 2020 14:51
My iphone 6s screen had water damage. They checked the entire phone and replaced the screen while I waited...great service, friendly and helpful. If you need your screen replaced, this is the place to
Jun 28, 2020 21:33
Sorry this is so long...So I won’t lie, there were some ups and downs about this experience BUT the way Retieve (I’m sure I am spelling his name wrong, so I apologize) and Dan handled everything m
Jun 28, 2020 16:49
Repair My 7+ very fast and honest with price thank you Sam.
Jun 27, 2020 23:59
The manager of the store, Sheikh, was amazing i came into the store with 30 minutes until closing and he made fixing my screen a priority. He also cleaned my charging port for free. I couldn’t have
Jun 27, 2020 22:10
Love this please the girl working there is so nice I ended up takeoff my other iPad there to fix.
Jun 27, 2020 00:26
I usually do not write reviews but when i receive exceptional service i almost have to. When i entered i was greeted with a warm welcome and professional service. I booked an appointment and received
712 Chauncey Street
Jun 25, 2020 02:45
Candace was so amazing. I went to the store for my iPhone XR not only did she give me a discount she also dropped my phone off for me for free at my moms house (during the pandemic) in lindenhurst. Sh
Jun 24, 2020 22:51
Reasonable prices. Knowledgeable and quick service.
Jun 24, 2020 22:26
Quick and professional and very reasonable price! Definitely recommend this place
Jun 24, 2020 17:44
I called to schedule an appointment to have my Iphone Xs' screen replaced. An appointment was booked and price of $180 was confirmed. On the day of the appointment, upon arriving at the store a gentle
Jun 23, 2020 20:59
Extremely Satisfied, My iPhone 8 Plus Looks Brand New. I Did Save My Time And Money. Way Better Then Upgrade. Now In These Day's Devices Are Very Expensive. Thanks To Azi a lot!!! Great Work!
Jun 23, 2020 17:37
Azi Work On My iPad 6th Gen. My iPad Work Great And Price Was Good Too. Also He Fix It In a Hour Which Is Very Great For Me. Way Better. Thanks! Great Work Azi!
Jun 23, 2020 17:31
They Fix My iPhone XR. The Price Was Good And After The Repair My Device Was Great Condition And Work Great! Azi Did Great Work. Thanks.
Jun 23, 2020 16:12
DONT bring your phone to this place they are over charging people for the cheap screens they put on. And they don’t know how to fix phones I went here to get both my iPhone 8 and iPhone 7 Plus scree
Jun 22, 2020 19:58
I went in to have the battery changed Galaxy S7. Jeff was thorough and professional. Highly recommend for any repairs and services.
Jun 22, 2020 19:18
Absolutely professional workmanship. Highly recommend the shop.
Jun 21, 2020 16:01
Tolga (manager) was AMAZING, when installing my screen protector on my new I-pad Pro. The store is super clean, well organized and stocked. I would HIGHLY recommend.
Jun 20, 2020 22:07
I’ve gone here many times to fix my phones and such. Every single time they were patient with me and helped answer any questions I had. Aaron helped me with my phone and my brothers phone today and
Jun 20, 2020 20:56
Definitely would recommend this business-IPhone charging port not charging. Anthony fixed the problem immediately and at a great price. I will not be going to the Apple Store anymore for repairs. Than
Jun 20, 2020 19:42
Kind and helpful staff. Great service and price. Also, paid attention to health and safety. Wonderful!!
Jun 20, 2020 14:49
Anna was very helpful, she repair my iPhone and now it looks like new I’m very happy and I do recommend them
Jun 20, 2020 14:48
Excellent place to fix your phone the have a good service the girl that helped me explain everything and did it in no time, I recommend this place
Jun 20, 2020 02:18
I highly recommend this place. They are excellent, very efficient, and have fixed a number of phones for my family. They honor their word in regards to their 180 day warranty, no problem or hassle. A+
Jun 19, 2020 21:21
Great customer service! Very helpful, and informative. Fixed two of my devices in such a timely manner.
Jun 19, 2020 20:49
Now I know where to go if I need to fix my iPhone I came here the girl was very nice and she fix my iPhone really fast thank you
Jun 18, 2020 22:11
Owner was amazing g and quick with his responses to my questions. He wasnt there at the ronkonkoma location at the time I went but his staff was excellent. Highly recommend them!
Jun 18, 2020 20:38
Great place Anna fix the back glass of my camera looks great and was fast thank you
Jun 18, 2020 03:42
This is my second time using there services on two separate devices, honestly each time was a smooth, swift and very professional. Thanks Danelia for repairing my phone
Jun 18, 2020 00:35
My phones face was completely smashed and he got it looking good as new same day!! Super helpful and friendly guy
Jun 17, 2020 21:57
I made a same-day appointment thinking I needed a new charge port and battery for my iPhone 6s. They could easily have taken my money for the new charge port, but it turned out I only needed to have t
Jun 17, 2020 16:19
Sheikh is the best worker I’ve ever met in my entire life, unbelievable service, great price, helps with all problems. I have been to this unbelievable place multiple times and my man Sheikh never f
Jun 16, 2020 21:54
The best service ,extremely nice and professional Definitely recommend them
Jun 16, 2020 19:51
They did a great job with our phone repair on such short notice. Highly recommend. Will definitely return if needed in the future.