The much anticipated Apple Card has officially been rolled out across the US.

After an initial launch to a limited number of people, all those residing in the US can now apply for the credit card through the Wallet app on an iPhone.

First announced in March, the card was developed in collaboration with Goldman Sachs, who assumes the role of the issuing bank with Mastercard acting as its payment network.

The eye catching plain matte white credit card made of titanium

“We’re thrilled with the overwhelming interest in Apple Card and its positive reception,” commented Jennifer Bailey, Apple’s vice president of Apple Pay. 

“Customers have told us they love Apple Card’s simplicity and how it gives them a better view of their spending.”

Once signed up for Apple Card, it will be available for use immediately for digital purchases – with a physical version of the card shipped out once the application is completed. 

The firm will hold critical information (card number, expiration date, security code) buried within the Wallet app and each purchase made is authorised with Face ID or Touch ID.

The physical card itself has its own ‘How to clean your Apple Card’ explainer that revealed certain fabrics like leather and denim could permanently discolor the card’s matte white finish.

Some were quick to point out the possible comedic scenarios of not being able to keep the card in a leather wallet or jeans…

Said to be “built on simplicity, transparency and privacy,” the card features a cashback reward program known as ‘Daily Cash’.

The initiative features a three level reward programme: 

  • 3% cashback on purchases made directly from Apple and Uber/Uber Eats
  • 2% for purchases made using Apple Pay at any other merchant, including apps and websites.
  • 1% on purchases made physically using the card.

Apple Card also uses machine learning and Apple Maps to label transactions with merchant names and locations in the Wallet app and users can access weekly and monthly spending summaries.

It offers an APR between 12.99% and 23.99%, based on your credit score. CNBC reported that Goldman Sachs had approved at least one applicant with a 620 FICO score for a $750 limit at 23.99 percent interest.

In a review for Business Insider, Lisa Eadicicco, who had early access to the card, concluded: “The Apple Card is certainly an ambitious step for Apple in replacing the physical wallet with a digital one. But its usefulness relies on just how committed you’re willing to stay to Apple.”