使用苹果卡，要知道这5件事

为了进一步融入其客户的财务生活，苹果在本周一推出了其针对iPhone的信用卡，并取名为“苹果卡”。该信用卡由苹果与高盛和万事达卡联合打造，拥有一些有别于传统信用卡的特征，例如没有可见的卡号。但它还拥有一些大多数人非常熟悉的特色，例如返现。

按照典型的苹果行事风格，客户可以在其手机的相关应用中注册申请信用卡，并且在数分钟之后开始使用。苹果表示，该卡将于今夏发行。

该卡与苹果的数字无线支付系统Apple Pay紧密捆绑。客户可以借此便利地通过自有的各类苹果设备使用卡片来支付，或者在实体店和网上购物。

以下是有关苹果新卡的五项须知：

它有别于父辈的信用卡

是的，虽然该卡由全白雕花金属钛制作，但它并非是一款实体信用卡，而且卡上并未印有卡号或到期日。

返现

像很多回馈卡一样，用户通过Apple Pay应用使用新卡将获得消费额2%的返现，如作为普通信用卡使用可获1%的返现。如果购买苹果的产品，包括任何从其应用商店或iTunes购买的任何内容，客户可以获得3%的返现。客户无需久等便可以消费返现额。苹果表示，返现会立即出现在附带应用中，可以用于购物、偿还信用卡余额，甚至转给使用Apple Pay的其他人。

无费用

苹果表示，信用卡不收取年费、滞纳金、超限额费，以及跨国交易费。苹果网页上有关新卡的注释提到，该卡利率为13.24%到24.24%不等，取决于信用度。苹果此前曾经与巴克莱银行合作，推出了一款更为普通的冠名Visa卡。该卡同样不收取年费，能够让用户积累可用于兑换苹果礼品卡的奖励积分。然而，它更像是一张普通的信用卡，并收取滞纳金和其他额外费用。其当前的利率为16.24%到28.99%不等。

隐私保护

苹果表示，公司为此卡提供的隐私保护力度比普通信用卡更大。公司称自己无法得知客户的消费地点、消费金额和消费内容。高盛将获得这些数据，而且不会将这些信息出售给第三方用于营销或广告目的。

更好的消费数据

新卡将通过苹果的钱包应用提供非常详细的用户卡片消费信息。借助来自于Apple Maps的数据，该应用将展示每一笔交易发生的具体地点和时间，而不是传统信用卡的消费提醒信息。苹果的副总裁詹妮弗·贝利表示，该应用将把“这一信息转换为人们能够识别的名称和地点。”该应用将汇总这一信息，并处理每个用户设备上的所有财务数据。然而公司称，任何数据都不会发送至苹果的服务器。（财富中文网）

译者：Pessy

审校：夏林

Hoping to move more even deeply into the financial lives of its customers, Apple on Monday unveiled its own iPhone-oriented credit card, called the “Apple Card.” The card, created in partnership with Goldman Sachs and Mastercard, comes with some features that set it apart from traditional credit cards like a lack of a visible credit card number. But it also has some features that most people are well familiar with such as cash back.

In a particularly Apple touch, customers can sign up for the card on an app on their phones and start using it minutes later. It will be available starting this summer, Apple said.

The card is tied closely into Apple Pay, the company’s digital wireless payments system. That makes it easy for customers to use the card for payments with all their Apple devices and for purchases both in retail stores and online.

Here are five important things you should know about the new Apple Card:

This isn’t your father’s credit card

Yes, this is a physical credit card – albeit made of all-white, engraved titanium. But it doesn’t have a number or expiration date printed on it.

Get money back

Like many other rewards cards, users will get a 2% rebate on spending with the new card through the Apple Pay app and 1% back when using its as a physical card. Customers will get 3% back on purchases from Apple, including anything bought from its app stores or on iTunes. But customers won’t have to wait long to spend the rebates. Apple said they would be available immediately on an accompanying app for use on new purchases, to pay down a credit card balance, or even to transfer to other people using Apple Pay.

No fees

Apple said the card will have no annual fee, no late fees, no over-limit fee, and no international fees. Interest rates will vary from range from 13.24% to 24.24% based on creditworthiness, the company said in a footnote on its web site about the new card. Apple has previously offered a more typical branded Visa card in partnership with Barclays. That card also has no annual fee and lets users accumulate rewards points that can be redeemed for Apple gift cards. But otherwise, it more resembles a typical credit card, with late fees and other extra charges. And it currently lists interest rates from 16.24% to 28.99%.

Privacy protection

Apple said it would provide more privacy protection than typical credit cards. The company said it wouldn’t know where customers spend, how much they spend, or what they buy. Goldman Sachs would have that data and wouldn’t sell that information to third parties for marketing or advertising.

Better spending data

The new card will Apple’s Wallet app to provide highly detailed information about the users’ spending via the card. Using data from Apple Maps, the app will show exactly where and when every transaction occurred instead of a traditional credit card statement. The app will “transform this mess into names and locations that you’ll recognize,” Apple vice president Jennifer Bailey said. The app will compile the information while processing all financial data on each user’s device. No data would flow to Apple’s servers, the company said.