contador web Skip to content

How does the Apple Card work? Learn what, launch in Brazil and more | Productivity

The Apple Card is Apple's flat-rate credit card service, released this month of August to US users. In addition to having no annual fee, the iPhone integrated service (iOS) offers a daily cashback program (Daily Cash) ranging from 1% to 3% for purchases of company products and other stores, with or without Apple. Pay Available in both digital and physical versions, the Apple Card promises to make the spender's life easier with the Wallet app. O TechTudo separated questions and answers about the release of Apple, which has not yet expected to arrive in Brazil.

IOS 13 change may affect WhatsApp calls on iPhone

Apple Card Apple Credit Card No Charge Photo: Disclosure / AppleApple Card Apple Credit Card No Charge Photo: Disclosure / Apple

Apple Card Apple Credit Card No Charge Photo: Disclosure / Apple

Want to buy a cell phone, TV and other discounted products? Meet the Compare TechTudo

The Apple Card is a credit card integrated into the iPhone (iOS), which allows use with Apple Pay or its physical version. The service was created in partnership with the US bank Goldman Sachs and MasterCard. The card differential is that all procedures must be performed by Apple's native Wallet application, which shows user expense management reports. Thus, all data related to the service is on the smartphone. If the user still wants the physical version of titanium, you can request it through the same app.

Apple Card to have expense management reports Photo: Divulgao / AppleApple Card to have expense management reports Photo: Divulgao / Apple

Apple Card to have expense management reports Photo: Divulgao / Apple

The Apple card has a policy of showing users their consumer habits. Each type of purchase has a different color in the app. Therefore, when there is more spending on restaurants, the app shows a specific color, but if there is higher consumption on entertainment products, for example, another color shown.

Apple's credit card can be used in both the physical and Apple Pay versions. In the second option, the use of the service is protected by Touch ID or Face ID, depending on the device model. Regarding the titanium version of the card, there is only the name of the recorded user. The number and other data are stored in the application itself, avoiding the possibility of a stranger using the card for purchases on the Internet, for example.

Apple Card has no numbers or other data recorded on its surface. Photo: Disclosure / AppleApple Card has no numbers or other data recorded on its surface. Photo: Disclosure / Apple

Apple Card has no numbers or other data recorded on its surface. Photo: Disclosure / Apple

The Apple Card is not yet available in Brazil, and is not expected to arrive here. US users can order the card through the iPhone Wallet (iOS) app. If it is not installed, you can download it from the App Store. After the request, just wait for the approval of the system itself, which varies between minutes and hours. If the user wants the physical version of the Apple Card, they can pick it up at an Apple store.

Apple Card allow you to choose the amount to be paid by the application Photo: Divulgao / AppleApple Card allow you to choose the amount to be paid by the application Photo: Divulgao / Apple

Apple Card allow you to choose the amount to be paid by the application Photo: Divulgao / Apple

How does the cashback system work?

Apple's Daily Cash rewards program returns a percentage of the money spent on each purchase. Consumers will receive a 3% financial return on Apple Store spending, 2% on Apple Pay purchases, and 1% on all other card uses. The savings will be available in the smartphone's digital wallet for later use or transfer to a bank account.

* Collaborated Rubens Achilles

iPhone with iOS 13? Learn all about Apple's new operating system

iPhone with iOS 13? Learn all about Apple's new operating system