The Apple Card, created by Apple Inc., is a modern credit card designed to work seamlessly with Apple Pay across devices like iPhones, iPads, Apple Watches, and Macs. While it excels with Apple Pay, Apple also offers a physical Titanium version for transactions in places where Apple Pay is unavailable.

Apple Card rewards vary by type: the virtual Apple Card offers 2% cash back on Apple Pay purchases and 3% on App Store purchases, while the Titanium card provides 1% cash back on all transactions. Users can pay using Apple devices or their physical card and even generate new card numbers for extra security.

Apple designed the Apple Card to simplify payments, offering convenience, cashback rewards, and enhanced security. Although it isn’t universally accepted yet, Apple continues to expand its reach worldwide.

Types of Apple Card

Understanding the different Apple Card types ensures you maximize benefits and use the card effectively.

1. Virtual Apple Card

The virtual Apple Card works exclusively with Apple Pay and contactless payments. It provides higher cashback rates: 2% on Apple Pay purchases and 3% on App Store purchases. All cashback rewards—whether from Apple Pay, the Apple Store, or the Titanium card—are stored in your Apple Wallet or applied to your statement.

2. Titanium Apple Card

Apple introduced the Titanium card as a physical option for purchases in stores that don’t accept Apple Pay. It functions like a traditional credit card and helps build your credit history. This card provides 1% cashback on all purchases. The card does not display physical numbers; Apple provides a 16-digit code for transactions.

To activate the Titanium card:

• iPhone XS or later: Hold your iPhone near the NFC tag in the card packaging.

• iPhone X or earlier: Open the Wallet app before tapping your phone against the card.

How to Pay with Your Apple Card Using Apple Pay

Apple Pay makes fast, contactless payments possible with Apple devices. The virtual Apple Card often provides better cashback rewards compared to the Titanium card, so many users prefer it.

Paying with Your iPhone

For Face ID models, double-click the side button and unlock with Face ID or your passcode.
On devices with Touch ID, simply press the Home button twice to activate Apple Pay.
To switch cards, tap your default card, choose another, then confirm with authentication.
Once ready, hold the top of your iPhone near the contactless reader. A checkmark with “Done” will appear when the payment goes through.

Paying with Your Apple Watch

Double-click the side button to open your default card.
If you want to use another card, scroll to select it before paying.
Hold your Apple Watch near the contactless reader. A gentle tap and a beep will confirm that the payment is complete.

Paying Online or Within Apps

At checkout, choose Apple Pay in Safari or within the app.
If you need a different card, tap Next or the Expand Menu button.
Enter billing, shipping, or contact details if asked, Apple Pay will save them for next time.

Confirming payment:

• On iPhone or iPad with Face ID: Double-click the side button, then authenticate.

• On iPhone or iPad without Face ID: Use Touch ID or your passcode.

• On Apple Watch: Double-click the side button.

• On Mac with Touch ID: Follow the Touch Bar instructions and place your finger on the sensor.

• On Mac without Touch ID: Approve the payment from your paired iPhone or Apple Watch.

A checkmark and “Done” will confirm your payment is complete

Where You Can Use Apple Pay

• Within Apps and Safari: Look for the Apple Pay button or prompts like “Donate with Apple Pay” or “Buy with Apple Pay.”

• In Stores: Apple Pay works wherever the Apple Pay symbol appears. You can also check Maps to find nearby Apple Pay-enabled locations.

• International: In China and Japan, Apple Pay is accepted wherever official Apple Pay symbols display.

How to Use Your Apple Card Where Apple Pay Is Not Accepted

Some vendors, especially smaller businesses, do not support Apple Pay. In these cases, use your physical Titanium card. It functions like a standard credit card and ensures you can complete transactions anywhere.

Apple allows you to request a replacement card or generate new card numbers if needed, ensuring your security.

How to Request a Titanium Apple Card

1. Open the Wallet app on your iPhone.

2. Tap the (…) More button.

3. Select “Get Apple Card” and follow the on-screen instructions.

How to Use Your Apple Card Number

1. Open Wallet on your iPhone.

2. Tap (…) More > Card Information.

3. Authenticate with Face ID, Touch ID, or passcode.

4. Use the displayed card number, expiration date, and CVC to make purchases where Apple Pay is unavailable.

Apple Card FAQs

• Is there a limit? Yes, like any credit card, but you can request an increase.

• Are there maintenance fees? No, Apple does not charge maintenance fees.

• Can I use Apple Card like a regular credit card? Yes, even on Android devices.

• Can I use Apple Card at Walmart? Yes, Walmart supports Apple Pay for transactions.

The Apple Card offers flexibility, security, and cashback rewards for both digital and physical payments. Whether you use Apple Pay across your devices or the Titanium card for non-Apple Pay purchases, Apple Card simplifies transactions while enhancing your financial control. By understanding how to pay, request cards, and manage your card number, you can maximize its benefits and use it confidently worldwide