Apple Card Credit Card Signup

I signed up to receive an Apple Card, today. The entire process, from applying, through approval, to receiving the new card in my Apple Wallet took less than ten minutes.

Once I received it in my wallet it was active to use with Apple Pay. I also requested to have the physical titanium card sent to me which should take about a week.

Customer support via text message

I was wondering if the Apple Card had a virtual account number similar to my Citi Mastercard. There was a button to call or text for help which was great. Nothing better than getting customer support via text message – no wait or hold time.

Unfortunately, the Apple Card can only generate one number at a time which can be easily changed by pressing a button. So, at this time, it seems that I can only have a single credit card number active with Apple Card.

Another disappointment was that Apple Card interest rate depends on credit worthiness, somewhere between 12.99% - 23.99%. My FICO score is over 810, so I would have hoped for something lower than 17.99%. But it's been more than a decade or two since I've carried a balance from, month to month, on my credit card. So, this shouldn't be an issue for me.

A nice thing about the Apple Card was that I could tap one button any all of my Apple bills (iCloud, iTunes, etc) were switched to my Apple Card which returns 3% cash, daily. Let's see how it works.