Primarily designed for Apple users, the Apple Card Mastercard defines what exclusivity means. Apple users who have yearned for a credit card can now enjoy a credit card that matches their lifestyle with the Apple Card Mastercard.
If you're interested to learn more, check out the article below to find out how to apply online for the Apple Card Mastercard.
Features of the Apple Card Mastercard
The Apple Card Mastercard is one of the only few credit cards that have proper integration into the Apple ecosystem.
Anyone who has an Apple device will find it easier to pay for transactions and manage their account with this credit card.
Get 3% Cashback and More
With the Apple Card Mastercard, you can easily get as much as 3% cash back on participating merchants through Apple Pay.
There is also a 2% cash back on purchases made through Apple Pay outside of the participating merchants. It is best that you use the card at Apple Stores, Apple services, or the Apple App Store.
You can also book your hotel and car rentals through Booking.com for more cash-back rewards.
Redeem Your Rewards
You can then redeem your cash back rewards in the form of Daily Cash, which can be converted to a statement credit.
It can also be sent to your Apple Cash so you can spend it, or you can easily send it directly to your Apple Wallet app and use it for many other transactions.
Another option is to send your hard-earned rewards as a direct deposit to your Apple Savings account, which is an interest-earning account.
Integrated Apple Experience
One of the best features of the Apple Card Mastercard is its ability to integrate the Apple experience.
You can apply for the card directly through your Apple Wallet app or the official website. The digital version of the card can be used in almost any online store that you can find.
Shopping is more of an experience now that you have the Apple Card Mastercard in your digital wallet.
Interest Rates and Other Charges
The Apple Card Mastercard has zero annual fees, no foreign transaction fees, no late payment fees, and no over-the-limit fees.
It is simply one of the best credit cards out there, with the best integration into the Apple system.
Additionally, the Apple Card Mastercard charges you with an interest rate ranging from 18.24% to 28.49% APR on purchases.
Know More Details About the Apple Card Mastercard
There is so much more to learn about the Apple Card Mastercard aside from their unique features and very generous cashback offers.
The Apple Card Mastercard is one of the most popular credit cards out there if you are an Apple loyalist.
Here are more details about the Apple Card Mastercard that you need to know.
Apply with a Co-Applicant
There are instances when your credit score might not be strong enough for you to qualify for the Apple Card Mastercard.
Apple has made it easier for you to qualify for the card, as you can now apply with a co-applicant. The Apple Card Family lets you co-own an account with one member of your Family Sharing Group.
You can also invite another cardholder to be a co-owner of an account. This should help increase your chances of getting the card.
Share the Card with Others
The Apple Card Mastercard also lets you share the card with up to 6 people. This means that they can get Daily Cash to order a metal card and become an authorized user of the card.
This is a great way to introduce family members and allow them to start building their credit history. They must meet the age requirement for them to be acknowledged as authorized users.
You can also set spending limits for every member so you can manage the account properly.
No Hard Inquiry
When applying for a credit card, most companies often do a hard inquiry, which can largely affect your credit score.
The Apple Card Mastercard does not do any hard inquiry. Instead, it only does a soft inquiry.
This allows you to stabilize your credit score even while you're applying for the card. You are also pre-qualified for the card when you have the option to apply for it.
Order a Metal Card
While many Apple Card Mastercard users often use their digital card and digital wallet for transactions, you also have the option to order a metal card.
Just like any other credit card out there, you can have your physical card to use in case you need it. You can request a metal card through your iPhone or iPad.
This is very convenient, especially if you use your card at places where Apple Pay is not yet accepted.
How to Apply for the Apple Card Mastercard
To apply for the Apple Card Mastercard, there are two options, and you can choose whichever is more convenient for you.
You can apply for the card through the official website, or you can download the Apple Wallet app, create an account, log in, and apply from there.
Eligibility Requirements
Before you can even apply, you must meet the requirements set by Apple to qualify for the card. All applicants must be of legal age to qualify for the card.
They must have an iPhone or iPad to download the Apple Wallet app to their device to apply.
Applicants must have stable employment and income and must be able to provide the income documents to prove it. A credit score check is done during the application process.
Applying Online
To apply online, simply visit the official website and click 'Apply'. Fill out the online application form and provide all of the required details.
Upload any documents that they require. Double-check the form for errors and read the terms and conditions carefully before submitting.
You should get the results after a few minutes, and you can activate your digital card and then link it to your Wallet app.
Contact Details
You can dial the number 877-255-5923 to reach their customer service department in case you need assistance with the application or you have other inquiries.
You can also visit their main office located at 200 West Street, New York City, New York.
Conclusion
The Apple Card, a Mastercard, offers a unique experience that is uncommon among many other credit cards. Its integration into the Apple experience makes it a very exclusive credit card, alongside its many perks and features.
Anyone who has an Apple device should already be looking into the Apple Card Mastercard and apply for one.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
