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Apple Card: That's what the first hands-ons say

Apple Card
Image: Apple
(Post image: © 2019 Apple)

In March Apple proudly presented its first own credit card - the Apple Card. This is now available for the first customers.

Apple Card is Apple's first proprietary credit card made from titanium with just the owner's name, two logos, and a magnetic stripe. One logo is from MasterCard, the other from Goldman Sachs. MasterCard is the card provider and Goldman Sachs is the responsible bank. Parallel to the physical version, there is also a digital version of the Apple Card, which is slumbering in the wallet app. More on this shortly.

As part of a public test, the first customers were given access to Apple's credit card. These testers include, among others Marques Brownlee aka MKBHD, Chance Miller from 9to5Mac and Nilay Patel from The Verge. All three also posted a hands-on each, which I will use as a reference for this article. In Germany, Austria and Switzerland, the card is not available for the time being. At the moment we don't know when that will change.

Apple Card: The first hands-ons

Apple sent a confirmation email to all testers. If you received one, you can easily add the Apple Card via the wallet app. Most of the data is taken over from the Apple ID, so that you only have to type in a little bit yourself. The app then only needs the annual income. After that, the simple setup is already complete.

Now you are only the owner of the digital Apple Card for the time being. It is then already possible to process transactions on the Internet with the card number and the security code that are in the wallet. If you want the card made of titanium, a separate requirement from Apple is necessary. The card should then arrive within six to eight days. This is then activated via an NFC chip in the cover of the card. If you scan this with the iPhone (iOS 12.4 must be installed), a pop-up appears like the one we know from setting up the AirPods. One tap is enough and the physical card is ready to go.

The consumer sees all exits nicely listed, including a map in the wallet. The same can be found on the iPad in the system settings under “Wallet”. A nice detail is that the credit card image changes color after the first few purchases. The different colors indicate the category of the output - a separate color is reserved for each category. A very nice visual detail. The aforementioned card number including the security code is also in the wallet app.

And what about cashback? A Procent there are two for every purchase made with the Titan card Procent for every purchase made via Apple Pay and three Procent on buying AppleProducts.

Focus on security

I especially like the way Apple approached security. As already mentioned, for example, there is no card number and certainly no code on a credit card made of titanium. This means that although the card can be stolen, it is only used half as much for the thief. The card is even less useful if the owner requests a new card number via the app and blocks the stolen card.

Whether you consider it a disadvantage that you only see the number in the app is up to you.

My impression: nice, but ...

...for the time being we can't talk about the new Apple service profit. I expect it to be the same as with Apple Pay will take a few years before we can use the Apple Card. But I find the concept very exciting and I am fascinated by how easily Apple has implemented it. Let's see how the new credit card will do with us. Now you are asked: What do you think of the Apple Card?

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David Haydl

David lives in Graz and has been there for around half a decade TechnikNews, also editor-in-chief for some time. He regularly provides the site with news, test reports and the like TechnikNews Weekly, which was his idea to launch. He likes to spend his free time outdoors, listening to a lot of music (and clearly too loud) and some podcasts on all kinds of topics, and also likes to go running. He enjoys the time that remains with his charming girlfriend or in front of the TV.

David has already written 1245 articles and left 116 comments.

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