The new Apple Card is now available to everyone.

Apple, which announced the card in March with Goldman Sachs and sent a limited number of invitations to apply earlier this month, is now accepting applications through the Wallet app on iPhone, the tech company said Tuesday.

The approval takes minutes and those who qualify can start using the card immediately with Apple Pay in store, apps and on websites.

The company is also extending its 3% rewards to cardholders who use Apple Card with Apple Pay for Uber and Uber Eats transactions. Before, you could only earn 3% back on Apple purchases.

Here’s what else to know about the Apple Card

Apple Card details

The Apple Card comes with no fees, including no:

  • Annual fee
  • Foreign transaction fees
  • Over-the-limit fees
  • Cash advance fees
  • Late payment fees

The card’s interest rate ranges from 12.99% to 23.99% based on your creditworthiness. The card also uses the Mastercard network, so it is accepted pretty much anywhere in the world. The issuing bank behind the card is Goldman Sachs. The Apple Card is the bank’s first credit card.

Rewards from Apple Card

As previously mentioned, you earn 3% back on purchases made at Apple Stores, apple.com, the App Store, the iTunes Store, for Apple services, and now Uber and Uber Eats.

You get 2% back when you use the card through Apple Pay, and 1% back when you use the physical card.

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Another plus: All rewards you earn are added to your Apple Cash card each day and can be redeemed for any amount at any time. You don’t have to wait to earn a specific amount of rewards before using them.

Security from Apple Card

The physical Apple Card itself is numberless, so no one can copy your card’s number and use it to create a fraudulent card.

Apple Wallet’s security tokens also protect your Apple Card. A unique token number – rather than the card’s number – is used to complete every transaction. That means your card number is never associated with a purchase. If a criminal picks up the token, it’s no good and can’t be used for an unauthorized purchase.

Budgeting with Apple Card

The Apple Card also color codes your purchases on your iPhone, so you can monitor how much you’re spending at restaurants or on gas or groceries, among other categories.

You can also see how much interest you will pay depending on how big of a payment you send in.

Check out how the Apple card competes with other credit card in our more detailed review from earlier this year.



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