How to make purchases with Apple Card

Apple Card in Apple Pay with a wallet bling bling make it rain
Apple Card in Apple Pay with a wallet bling bling make it rain (Image credit: Christine Romero-Chan / iMore)

We've been eager to get our hands on Apple Card since it was first announced back at Apple's Show Time event in March 2019. While the official public release isn't until around the end of August, there are many out there right now who have Apple Card already with the limited, invitation-only rollout. If you're wondering how to use your shiny new Apple Card to pay for things, here are the basics.

How to make Apple Card your default card in Wallet

To make things easier, you should have your Apple Card set up as the default card in Wallet. This way, it's always the first card that shows up whenever you use Apple Pay.

  1. Launch Wallet on your iPhone.
  2. Find your Apple Card, then tap-and-hold on it.
  3. Drag your Apple Card to the front (bottom) of your payment cards.

It is now your default Apple Pay card and will be the first choice whenever you use Apple Pay, either in-store, online, or in an app.

How to make a purchase with Apple Card in-store

As long as a store currently accepts Apple Pay or NFC (near field communication) payments, then you can use your Apple Card through the Wallet app.

  1. Look for signs that indicate the store accepts Apple Pay or NFC payments.

  1. Double click the side button if you're using a device with Face ID, or rest your finger on the home button if you're using a device with Touch ID.
  2. Authenticate via Face ID or Touch ID, depending on your device.
  3. Hold your device near the payment reader.

Boom! You've just made a purchase with your Apple Card and should earn two percent Daily Cash back.

How to make a purchase with Apple Card online

You can also use your Apple Card to make purchases online through Apple Pay.

  1. When checking out online, tap the Apple Pay option, if available.
  2. Double click the Side button for Face ID devices, or rest your finger on the Home Button if you're on a device with Touch ID.

  1. Authenticate via Face ID or Touch ID.

That's it! You've just paid for your online purchase with your Apple Card. If the online store does not take Apple Pay, you can manually get your Apple Card information and use it like any other credit card purchase online.

How to find your Apple Card account number, CVV and expiration date

How to make a purchase with Apple Card in-store without Apple Pay

When you accept your offer for Apple Card, you'll have the option to request the beautiful and sleek titanium card, which allows you to use Apple Card at businesses that do not accept Apple Pay. However, be warned that using the physical card will only earn you one percent Daily Cash back. The physical card appears to be taking around 6-8 days to arrive once you request it. Replacement cards are free if you lose it or if it is stolen.

  1. Take your titanium Apple Card out of your wallet (perhaps show it off a bit).
  2. Hand over your physical Apple Card over to the cashier or insert or swipe your card yourself at the payment terminal.

Follow the instructions given by the cashier or at the payment terminal to complete your transaction. Apple Card works the same as any credit card.


Have any questions about paying with your Apple Card? Drop them in the comments below!

Christine Chan

Christine Romero-Chan was formerly a Senior Editor for iMore. She has been writing about technology, specifically Apple, for over a decade at a variety of websites. She is currently part of the Digital Trends team, and has been using Apple’s smartphone since the original iPhone back in 2007. While her main speciality is the iPhone, she also covers Apple Watch, iPad, and Mac when needed.

When she isn’t writing about Apple, Christine can often be found at Disneyland in Anaheim, California, as she is a passholder and obsessed with all things Disney, especially Star Wars. Christine also enjoys coffee, food, photography, mechanical keyboards, and spending as much time with her new daughter as possible.