Apple Card is a prepaid credit card manufactured by Apple Inc. and issued by Goldman Sachs. Designed specifically for use with Apple Pay, Apple Card enables you to make purchases from your iPhone, Apple iPad, or other Apple products. However, in order to enjoy the convenience of having Apple Cards, you'll have to have an active bank account, which will likely be a monthly fee, based on the issuer's terms and conditions.
The only way to apply for and obtain Apple Card is to visit the Apple Store, which will likely not be available at every retailer and will cost you a monthly fee. Applying online for an Apple Card will also cost you a fee, since it requires you to provide your bank account number, email address, and password to complete your application. Once you've received approval for your card, you can then use it to make all of your purchases in Apple's app, including buying iTunes content, applying for a free iTunes gift card, and making purchases within the iTunes store. After your first month of using Apple Cards, your balance is added to your credit limit, so you can make additional purchases after your second or third month.
By using Apple Credit, you can pay for everything that you purchase online or in store with a single tap. You can make purchases right from the comfort of your home, without ever leaving your seat or driving to your local store. Using your card, you can make purchases at the iTunes Store, purchase movies and music downloads, apply for rewards or enter sweepstakes, and view store coupons.
Apple offers several incentives for customers who use their card. The most popular incentive is a discount of up to 50% off the total price of your eligible purchases, which may be applied toward your bill, balance, and even toward an actual cash rebate on your purchase, which may also be applied towards your next purchase.
If you've had problems or concerns with your credit before, it may be best to wait until you're already enrolled in an Apple program before you apply for an Apple Card. Apple will review your credit report and may need to request financial information from you to assess your credit history, which may negatively affect your ability to receive a card.
However, the primary benefit of receiving an Apple Credit card is that you can make . . . . . . purchases anywhere and use your iPhone, iPad or other Apple products to do so. You don't need to carry cash around with you when you walk out the door to make a quick purchase.