Because what I truly care most about in a credit card, more than how well it integrates with my phone, is whether my spending on that card is going to let me fly in business class. It’s just an iPhone-centric credit card, with middling-to-average rewards, and not much more.īut maybe Apple didn’t make the card for me. As it stands, though, Apple Card isn’t a paradigm-shifter like the Mac, iPod, iPhone, iPad, or even AirPods. I’ll be curious to see if the company takes it anywhere truly interesting. I wish I could say more good things about Apple Card. (For more on this, and a more enthusiastic take than mine, see the TidBITS article, Apple Card: More than Just a Credit Card.) Apple is also emphasizing personal privacy as an aspect of Apple Card, as they do with their other products. There’s no question that Apple’s presentation of your spending on your Apple Card is exceptionally clear and attractive. Apple is also emphasizing a financial well-being angle, by providing self-help spending analysis in the manner of Health or Screen Time. You’re not supposed to actually use the physical card you’re supposed to admire it.ĭigital orientation aside, Apple presents Apple Card as a kind of “luxury card for the rest of us.” It has no annual, late, or overage fees - only the expected finance charges if you don’t pay in full, and Apple claims those are comparatively low. And the physical Apple Card scuffs easily if you actually keep it in your (lowercase-w) wallet. If you use it, you’re effectively punished - you only get half the cash back as you would have if you’d used Apple Pay. The physical card you’ll receive later by mail is a pretty, fragile, minimalist, titanium bauble that doesn’t even feature any numbers on it. (Of course, this is already possible if you have added a credit card to your iPhone Wallet, so it’s not a very dramatic step forward.) Apple Card rewards spending with cash back, though less than you can get with competing cards for most purchases.Īpple really drives the Apple Pay point home by making the card application and approval process an all-iPhone experience - you apply in the Wallet app, and, if you’re approved, the new card appears instantly. The expectation is that you will rarely handle the physical card, but instead use Apple Pay for in-person and online transactions. But is Apple Card really that different from other credit cards?Īpple Card is distinct in that it is intended to seamlessly integrate with Apple products. As with the iPhone, Apple has pitched Apple Card as a “think different” reinvention. Late last year, Apple unveiled Apple Card, a new branded credit card backed by Goldman Sachs. If you simply dispute the charge, Apple may shut down your Apple ID from being able to use the App and iTunes Store, possibly permanently. For App, Music, Movie/TV, and Books purchases, you can request a refund at otherwise, give them a call. If you do upgrade, please make sure you have a full Time Machine backup first, so that you can get back to where you were if you have problems.Īlso, a word of caution: if you see charges from Apple on whatever credit card you use that you are unsure of, don’t dispute them with your bank - take it up with Apple first. Before we get started, we’d like to answer a question we are often being asked: Is it ok to upgrade to macOS 10.15 Catalina? We think you should still hold off, unless you really want it, or you have a specific need (such as you depend heavily on Notes, and they no longer synchronize with your phone).Ĭatalina still has bugs, and Apple is still fixing them.
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