Apple Card: A cheat sheet (free PDF)

Apple announced its entry into the credit card industry in March 2019 with the Apple Card, an Apple-branded credit card designed to help make financial decision making easier. Unlike traditional credit cards, which exist primarily as physical items with digital features, the Apple Card can be thought of as a digital-first credit card. It’s tightly integrated with Apple Pay, and while there is a physical titanium credit card made available, Apple intends for Apple Card to be used primarily from an iPhone or an Apple Watch via Apple Pay.

The Apple Card has a lot of novel features that could make it an ideal credit card for people who are already invested in Apple’s product ecosystem. This cheat sheet will help explain everything you need to know about the Apple Card, including whether it’s worth considering as a credit card for the corporate world.

From the cheat sheet


The Apple Card is Apple’s first entry into the credit card market. It was created in partnership with Goldman Sachs and will be a Mastercard, meaning it will be accepted wherever Mastercard can be used.

The Apple Card differs from other credit cards, in Apple’s words, because it’s “a credit card designed for iPhone.” Apple Card users have the option to get a physical card, but that seems more like a backup option for when Apple Pay isn’t available.

Apple designed the Apple Card to be used almost exclusively with Apple Pay and the Wallet app. Signing up for the Apple Card is done within the Wallet app, which is also where all of the Apple Card’s spending metrics are displayed.

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