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How to clean your Apple Card (support.apple.com)
36 points by justanothersys 58 days ago | hide | past | web | favorite | 58 comments

I have been using Apple Card now for about two weeks and I have to say the physical card is nothing short of marketing genius by Apple.

The 2% unlimited cash back now has me using Apple Pay everywhere. At places that don't have it, I have to pull out the titanium card. Almost every place I go to people ask what is this card? Am I an Apple employee? Keep in mind, most places have never seen a titanium card before because they are typically given to extremely high net work individuals by AMEX and Visa.

After explaining what the card is. They invariably ask what is the benefit of the card. Being a nice guy, I explain them the benefits of the card.

The card is a conversation starter. It serves as an advertisement for people to sign up and it also serves as a way to get the establishment that you used the card to start accepting NFC payments.

None of this would be possible if the card was a crappy plastic material.

I'm a little surprised to hear that. The response you describe was normal when the Chase Sapphire Reserve was newly launched, but since then, and especially with Amex Gold and Platinum also making beefy metal cards, I feel like most folks handling cards have gotten completely used to it. Also, I'm not really seeing the benefit of 2% cashback vs. the Citi double cash card. I was just super disappointed by this card when I read up on it - I hope they launch a premium card soon.

> Also, I'm not really seeing the benefit of 2% cashback vs. the Citi double cash card.

The benefit is you get the same cashback but the card (titanium, touch pay) and the services (application, integrations) are better.

Just curious, why did you got this card? There are tons of Chase and other cards with much better cashback and terms. Just wondering what advantage did you saw in this card.

I have looked at many cards. But most of them have annual fees, have categories that don't give the same percentage cash back on certain purchases, or they have limits.

For example, most cards have a 2% cash back limit up to $6,000 dollars. There is the Citi Double cash card that does have unlimited but really it is 1.98 percent because you get 1% on every dollar spent and 1% on every dollar paid. However, if you apply it to your statement you have not paid the balance so it really is a bit lower than 2%. Not to mention, you need at least 25 dollars in cash back before you can use it and it expires.

Apple gives the cash back the next day. Which is insane. While Citi takes 1.5 months to give it to you. It is easy to forget about it and one of the reasons why so many people forget and it expires out.

The only exception is travel cards. If you travel a lot it might make sense to get one of those cards for the perks because your usage will offset the annual fee. In that department, Apple does provide no foreign transactions fees and I think that is good enough for me.

Cynic would guess "blue chat bubble".

I think he just explained it. The "Apple cool" factor is the selling point.

The only card I've heard people talk about due to it's benefits is Southwest's card. For 12 months, you can get a free "buddy pass" with each ticket purchase. For a couple, this means paying for only 1 ticket each way -- 50% off airfare, essentially. If you're a regular flyer, 2% cash back pales in comparison. Unfortunately, the card is made of inferior carbon-based materials.

No, you are mistaken. Having the card does not give you instant buddy pass. Upon approval you gain 40,000 miles which is a huge bump and minimum spend helps you reach the required miles to apply for preferred and the buddy pass which expires annually / end of dec 31st so you see people churn it right in December so benefits apply/start in January and have a year of access.

You're reminding Patrick Bateman.

Cards.. that's such a relic, really.

I don't carry my wallet anymore, just my Samsung S10 5G. There are very few places in Australia where I can't pay with Samsung Pay (Westpac). It even gets me on public transport (Google Pay).

I think the point behind the Apple Card is to drive NFC payments adoption in the US. Australia has a near complete penetration of NFC while the US does not.

Only time will tell whether we get the Apple Card, but due to the Australian Reserve Bank’s interchange fee cap, we’ll likely not see the same cash back offer if it ever does land here.

It will be interesting to see other markets’ reception of Apple Card and Apple Pay too.

So you’re one of these people that gets stranded when the phone or payment network is out.

Sounds like we live in different countries. If the network is out here (Australia), your only option is cash - card/touch are both going to be offline. The terminals need to authorise the transactions with the banks; it's an online transaction.

Magnetic stripes, haven't seen for ages. Cheques are not ever in use for normal shopping.

Call me old fashioned but I always carry cash, both because I don’t want to get stranded like that and because of the privacy it affords.

Apple Pay et al work without signal. If the payment network is down then cards will also be declined.

Increasingly we’re seeing contactless ATMs (in Europe) too so that’s a last resort.

Yep. I can get cash out from ATMs if I need to with a cardless pin system.

If the network is out, noone using card payments will have any luck.

That has happened to me literally once in the past 20 years.

Are you sponsored by them? This reads like a pretentious Apple commercial spoken by an Instagram quasy-entrepreneur.

That's just how diehard Apple fans have always talked.

Maybe it’s their way of celebrating 100 years of the Bauhaus?

To me, the weirdest thing is seeing a customer service webpage for a credit card in the design language and rhetoric of computer hardware support.

It somehow feels similar to the recently discussed WeWork criticism of them not actually being a tech company, yet masquerading as one through design.

If a card made of an unusual material is enough to garner adoption, consider me impressed and maybe not of the highest of business acumen skills.

It has been a huge part of the sell here for Monzo [0] with a bright coral coloured card and Revolut [1] with black, pink and metal cards. It works!

[0] https://monzo.com/fullmonzo/ [1] https://www.revolut.com/introducing-revolut-metal

Edited to link to revolut metal including apple style video of production, featuring Jony Ive sound-a-like

Flashy cars and houses in nice neighborhoods make for nice status symbols. Who sees your credit card, beyond you and your server, cashier, etc?

I don’t agree with it but people you go out with diner and pay for? There are plenty of times people see my card outside the server/cashier.

But who cares what type of card do you have? Or why do you care what server/cashier thinks about your status?

If you happen to have a real premium card, then probably people around you already know your status. They don't need to look at your credit card.

More and more, my personal experience is "I'll Venmo you". The server doesn't want to deal with N cards. One card gets thrown in, everyone else transfers cash digitally.

It’s fetish-oriented design.

I don’t remember ever cleaning my credit cards!

Exactly, just report it as lost and get a new one!

I think there should have been no physical Apple Card. The design is very Apple, and surely looks and feels great. But it risks upstaging the big idea of payment flow modernization.

To stretch a bit: the iMac asserted that you don't need all those ports, and the Apple Card should assert you don't need that piece of plastic - or laser-etched titanium - in your wallet.

People adopt this primarily because the card is titanium. It's a status symbol. Remove the card and you kill adoption. Paying with NFC will never seem as sexy as a paying with titanium. It's somewhat orthogonal to Apple's long-term goal of getting everyone to pay with Apple: in entrenches the coolness of physical payment methods over contactless.

I think the physical card is (in part) an attempt to stimulate digital usage (especially in North America where adoption of Apple Pay is pretty low compared to other places like Europe). Give people something they're familiar with (a physical card), reward them with cashback (which they will likely use digitally), and eventually wean them off the physical card completely.

I'm surprised to hear that Apple Pay has higher adoption in Europe, given that the iPhone has lower penetration there.

iPhone adaption might be lower, but contactless adaption is through the roof. I can’t remember the last shop I was at which didn’t accept contactless. Even vendors at farmers markets accept contactless these days.

So since most banks support Apple Pay (and Google Pay), pretty much everybody who is comfortable with technology uses it.

Nah - they have to give you something, as not everywhere will accept it and people would then panic about "I'll be stranded if my phone's not working".

So you get the pretty little physical card to tick off that worry. They clearly don't want you to actually use it unless you have to though, hence halving the rebate.

> I think there should have been no physical Apple Card

Physical card is their best ads billboard. Perhaps they will remove it after a few years when they have enough market share.

It will be absolutely hilarious (yet somewhat plausible) when people start making cases / skins for these cards.

"Cases" for credit cards are pretty common here in Europe (something like this: https://www.kartyvbezpeci.cz/174-thickbox_default/pouzdro-na...)

Don’t get me wrong, I love Apple. This is a company that popularized GUIs, gave us hyperCard, gave us the iPod and the iPhone and now it’s selling us a credit card? Really? Am I missing something? This is innovation and I’m just too old and nostalgic recognizing it as such? Help an old geezer out here.

The Apple credit card is simply an incentive to use Apple Pay. You can think of this card as Trojan horse.

Think about it: Why do you need any credit card at all? You have your phone, you can flash whatever bardcode/QR code auto generated, verified with your FaceID/TouchID. It would be ton more secure, prevent a lot of fraud and can do sophisticated things like automatic accounting, receipt keeping etc. BUT at the same time, it would dissolve the monopoly of 3 companies who are in the business of credit cards because virtually anyone can start mobile payment business this as long as POS systems were enabled for it. The widely deployed POS systems control which system of payment would become the norm. In countries where credit cards weren't the norms, mobile payments are the norms now. Other countries are left behind this revolution.

> Think about it: Why do you need any credit card at all? You have your phone,

One's phone could be dead, or near 0-percent battery. The trend is for people to forego annual upgrades (phone lifespans are increasing), but those phones are also not getting maintenance -- so the battery performance is degraded. A phone with a degraded battery might barely pull through a day, if you remember to charge it the previous evening.

I don't really know what the Apple card features but I recently switched to a mobile first, new, "fintech" bank (bunq) and it is a breath of fresh air. The stale personal financial sector is very ripe for some disruption imho.

They innovated away usable keyboards and futuristic magnetic charging cables from their laptops.

The integration with the wallet app is really nice, and it makes Apple Pay cheaper... which makes me want to use it more. I also appreciate the privacy stance.

You left off that it’s also the company that sold you music, movies and TV shows to play on your iPod and iPhone. This is perfectly consistent with that winning strategy. iPhones are now payment devices so why not sell a superior, well integrated financial service.

If the physical card trips you up, remember that Apple is not above providing you adapters. “Apple Card” is first and foremost a service and iOS-based user interface.

This makes the most sense to me.

Apple Pay is an extremely characteristic product. Apple also likes to own user experiences end to end. Owning the credit card account means it owns the Apple Pay experience more thoroughly. They would prefer not to offer a physical card at all, but mobile payments acceptance isn't high enough yet.

It's the literal financialization of a technology company. But, to be more specific: Apple was the company to make such a move. Apple is a brand people identify with. Even if adoption is tepid, imagine how well a "Microsoft Card" would do.

The trick with shorting is timing. Sometimes financial indicators continue growing for 2-3 years after the company peaks. Apple cider vinegar anymore perhaps decay but it's unclear where the markets would price this in.

How to make more money by capitalizing off your brand 101.

No leather wallets, how did they not test this? You’d think their coating process would protect against this.

Lots of leather wallets will discolor basically anything. I get little streaks on all my cards. It probably can get scrubbed off my "platinum" cards somehow but sure doesn't come off with casual cleaning.

Well, making the darn thing white certainly doesn't help!

Clearly they didn't learn much from all those black scuffed dirty white MacBook charging cables...

> If your titanium Apple Card comes into contact with hard surfaces or materials, it's possible that the coating can be damaged.

This seems all but a guarantee!

This thing will be handled by dirty hands, slid in and out of machines, put into those folder things at restaurants (I've spilled salsa and other things on those more than once), and more.

I have a few metal cards... They're all dark colors, and I've never once had to think about how to keep them clean looking.

All the more reason to use the cardless apple pay then, eh? Hmm..

Really nothing surprising here. I think this is more about being able to point a finger and say, “we told you how to take care of it,” when people inevitably ruin the thing.

There is irony Apple has a physical card used as a token to transfer financial and transaction information.

Then again... Wallet needs an iPhone to work ;)

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