TechCrunch’s Matthew Panzarino is already using his Apple card

Well, not really. But he managed to put it through most of its paces.

From “Apple rolls out Apple Card Preview to select users,” posted early Tuesday.

I’ve been using the card for a few days on my own device, making purchases and payments and playing around with features like Apple Cash rewards and transaction categorization…

My physical card isn’t here yet so I can’t really evaluate that part of it. But it is relatively unique in that it is nearly featureless, with no printed number, expiration, signature or security codes on its surface.

Want an Apple card of your own? Go here and click Notify Me. 

My take: Tim promised titanium. Where is it?

UPDATE. Notify Me is like a traffic light button in Manhattan. Click as often as you like, it makes no difference.


  1. Jerry W Doyle said:
    Question! “Goldman Sachs” is Apple’s issuing bank. What is Mastercard’s role?

    A friend and I were discussing this question and he deduced that Apple handles the UI/software layer (remember most use of your account will eventually be “device” driven, not card driven). GS handles the “financing layer” of transactions and MC handles the “processing layer.” Is this correct? Apple currently is not prepared to offer the entire stack and has to have their alliances with other players who have the needed scale to accommodate the “billion pockets, y’all.”

    I keep hoping that Apple one day will move comprehensively into the financial industry. Apple has the cash reserves to do so and can managed the process better than GM did in financing its own cars. This would be an entirely new revenue driven stream. Tim Cook touts “… We believe that we need to own and control the primary technologies behind the products that we make, …”. I believe Apple could do better than GS & MC. MC and GS are not doing the processing layer and financing layers respectively, for “gratis.”

    August 6, 2019
    • David Emery said:
      (most) credit cards are on 1 of 2 networks, Visa or MasterCard. The network provides centralized clearing, etc. Similarly, most ATM cards are on either Cirrus or Plus. (And when traveling overseas, it’s important to make sure you know which banks accept which network, in some countries only a few banks are on one network with the other – probably the one you don’t have – being the dominant one. Learned that the hard way.) I think there’s pretty good interoperability between the two networks (credit and debit)these days.

      August 7, 2019
  2. Mordechai Beizer said:
    Jerry W,

    There are different max scores, one is 850 and the other is 900, depending on the scoring methodology. I’m guessing Jeff has 850 on the 900 scale which is still an excellent score but not quite the same as hitting the max (which I don’t think is possible).

    August 6, 2019

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