topic Re: Apple Card WITHOUT an iPhone? in Credit Cards

Apple Card WITHOUT an iPhone?

Wavester64 — Fri, 10 Jul 2020 21:22:00 GMT

I always wondered (and I decided to ask now ) does anyone have an Apple Card without the benefit of using Apple Pay via the iPhone? I don't mean anyone who has an iPad and has an Apple Card. More like your an Android Fan and decided to get the Apple Card.

I am sure there are those out there like this - but IMO it's a tough hit to get that card (granted nice to look at) and not get all the perks of Apple Pay.

I wonder if Apple will ever change their ways and give all the perks to those who just use the card versus those who use it via their iPhone on Apple pay. I would think it would benefit Apple more to do this, but since they aren't, I guess I am wrong on that.

Just talking outloud

Re: Apple Card WITHOUT an iPhone?

joltdude — Fri, 10 Jul 2020 21:44:46 GMT

Apple Card is designed to promote the use of Apple Pay....

Really Apple / GS doesn't want your business if you dont have some form of expenditure/vested interest into Apples device ecosystem...

Theve made some exceptions to this due to the current situation (Walgreens is a prime example of using the physical card and getting the bonus) .....

The card is to get folks to still swipe outside applepay but they dont want it to be used .. they want vendors to convert to apple pay and get the transaction fees...

Re: Apple Card WITHOUT an iPhone?

Loquat — Fri, 10 Jul 2020 21:55:56 GMT

I don't see a day where an Apple card will be issued via Android. Maybe be able to add it to a digital wallet but who would want the card if you couldn't get the highest rate of cash back earnings anyway?

Re: Apple Card WITHOUT an iPhone?

kdm31091 — Fri, 10 Jul 2020 22:14:35 GMT

What would be the point? There's not much benefit outside of using with Apple Pay.

I do think I read that now that they have a web portal, you can technically apply without an iPhone but again I don't see why you would.

Re: Apple Card WITHOUT an iPhone?

Anonymous — Sat, 11 Jul 2020 02:59:42 GMT

I don't really see this happening. The deal is that Apple is so successful from keeping users stuck in their ecosystem. If all of your content and services (apps, iMessage/FaceTime, etc.) is within their ecosystem it gets very tricky to leave. Now you lose your credit card also, which is another way to keep users on the iPhone.. The Apple card is just 1% CB (and 3% at Apple Store) without Apple Pay so there is really no point to get it without.

Re: Apple Card WITHOUT an iPhone?

CreditCuriosity — Sat, 11 Jul 2020 21:33:24 GMT

Also just to note see you have verizon card if going for just aesthetics of card as apple card certainly doesnt give big CL's the verizon is a better looking card and also heavier as have both myself.. i would personally avoid one of the 5 or so CC's I have being the apple card i am like WTH did i get this.. Pointless card unless 12 month 0% financing then possibly a point, but have other cards that can easily do that as well.

Re: Apple Card WITHOUT an iPhone?

NRB525 — Sun, 12 Jul 2020 11:19:50 GMT

The marketing of Apple Card is centered on the Wallet app management of the card, including among other things statement access, setting your next payment, and the selector wheel to tell you how much interest you will pay if you don't PIF this month.

They sell iPhones in stores. Just sayin'

Re: Apple Card WITHOUT an iPhone?

Anonymous — Sun, 12 Jul 2020 13:03:03 GMT

As ymoneyman said, Apple is so vested in keeping people locked into their products I can't imagine this happening.

From the company that first brought us silly shaped chargers and headphone jacks or the lack there of, to the way their OS is designed, I can't imagine them branching out their digital wallet/payment technology or bonus categories. Apple is obsessive about making only their hardware and software compatable with only their hardware and software.

Re: Apple Card WITHOUT an iPhone?

VPExecutive — Sun, 12 Jul 2020 16:17:39 GMT

@joltdude wrote:
Apple Card is designed to promote the use of Apple Pay....
Really Apple / GS doesn't want your business if you dont have some form of expenditure/vested interest into Apples device ecosystem...
Theve made some exceptions to this due to the current situation (Walgreens is a prime example of using the physical card and getting the bonus) .....
The card is to get folks to still swipe outside applepay but they dont want it to be used .. they want vendors to convert to apple pay and get the transaction fees...

Yes, but have you tried adding your Apple card to Samsung Pay?

Re: Apple Card WITHOUT an iPhone?

zerofire — Sun, 12 Jul 2020 16:22:54 GMT

I highly doubt you can get the rotten Apple out of the Apple Card. Separating the phones from the account kills the majority of the benefits to the card. You are basically left with 1% on everything, 3% if you want to join the rotten Apple club, and whatever Walgreen's in kicking in. The 2% on ApplePay transactions is lost which is the majority of the value of this card. There are so many better cards for those that are not anchored by the Apple system even with full benefits so if you start slicing some off it just becomes more of a slaughterfest.

Re: Apple Card WITHOUT an iPhone?

NRB525 — Mon, 13 Jul 2020 03:13:04 GMT

@VPExecutive wrote:
@joltdude wrote:
Apple Card is designed to promote the use of Apple Pay....
Really Apple / GS doesn't want your business if you dont have some form of expenditure/vested interest into Apples device ecosystem...
Theve made some exceptions to this due to the current situation (Walgreens is a prime example of using the physical card and getting the bonus) .....
The card is to get folks to still swipe outside applepay but they dont want it to be used .. they want vendors to convert to apple pay and get the transaction fees...

Yes, but have you tried adding your Apple card to Samsung Pay?

I suppose this is possible. The person would need both an iPhone and Android phone. The add to Samsung Pay might be set up, but it would only earn 1% on charges.

Re: Apple Card WITHOUT an iPhone?

MisterWives — Mon, 13 Jul 2020 03:52:02 GMT

Considering apple would never cross platform their own apps I highly doubt they would do it for the card either.