How to Use Your Apple Card for Online or In-Store Purchases

Yay!! Your Apple Card is here; but how should you go about spending all that credit. Well, worry not; here's our very special guide to assist you on how to use your Apple Card for online or in-store purchases.

We could physically feel your excitement for your Apple Card, either you are proudly showing off the sleek physical card, or you are waiting for it to arrive at your doorstep. But before you take your Apple Card for a ride, here’s a step-by-step tutorial on how to use Apple Card to make purchases in-store or online.

In case, you still haven’t applied for Apple Card, go through our guide on how you can check your credit score before applying for Apple card.

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Make Apple Card Your Default Card in Wallet App

Before we move ahead to payments, you should make Apple Card as the default card in Wallet. For one, this will enable Apple Card to show up first whenever you use Apple Pay, making its use quick and straightforward.

Step #1. Launch Wallet app on your iPhone and find your Apple Card.

Step #2.
Tap on the Apple Card and drag it to the front (bottom) of your list of payment cards.

There now your Apple Card will be the first one displaying whenever you are making payments using Apple Pay, whether online or in-store.

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How to Use Apple Card for Purchases In-Store via Apple Pay

You can use Apple Card for in-store purchases as long as the store accepts either Apple Pay or NFC (near field communication) payments. In this scenario, Apple Card can be used through the Wallet app.

Step #1. First and foremost ask the store manager or check if you can spot the signs that indicate the use of Apple Pay or NFC payments.

Signs that indicate the use of Apple Pay or NFC Payments

Step #2. If using a device with Face ID, double click the side button. In case you are using a device with Touch ID, keep your finger on the home button.

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Step #3. Depending on your device, authenticate either via Face ID or Touch ID.

Step #4. Hold your phone near the payment reader to complete the payment process.

And just as simply you have made an in-store purchase with your Apple Card using Apple Pay and earned yourself two percent Daily Cashback.

How to Use Apple Card for In-Store Purchases Without Apple Pay

If the store/businesses do not accept Apple Pay, then you can use the beautiful titanium physical Apple Card for payments. Just before payments make sure, you have activated your physical card using your iPhone and the Apple wallet service.

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Step #1. Take your physical card and either hand it over to the cashier or swipe or insert it at the payment terminal.

Step #2. Complete the instructions suggested by the cashier or the payment terminal to complete the transaction.

Note that when using physically, Apple Card works in a similar manner as any other credit card. Though always prefer using Apple Card via Apple Pay if available as using the physical card will earn you only 1% daily cashback, instead of the 2% gained when Apple Pay is used.

If you are wondering about a great wallet to go with the sleek and elegant Apple Card, then explore our special post covering all the best wallets for your Apple Card.

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How to Use Apple Card for Online Purchases

For online purchases, you can use your Apple Card through Apple Pay. In case, the online store does not take Apple Pay; you could also use Apple Card as any other credit card and manually enter the card information. Check out our tutorial to find your Apple Card account number, CVV and expiration date, so as to make your online payment.

As for making payment through Apple Pay, follow these steps:

Step #1. Tap on the Apple Pay option on the Website.

Step #2.
If using a device with Face ID, double click the side button. In case you are using a device with Touch ID, keep your finger on the home button.

Step #3.
Depending on your device authenticate either via Face ID or Touch ID. Just like that, your payment for your online purchase with Apple Card has been made.

You will receive 2% daily cashback if paid with Apple Pay and 1% daily cashback if you’ve paid with your physical card.

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Signing off…

Who knew that one day, Apple would launch an Apple Card and make spending so simple, transparent, and safe all at once. In addition, the daily cashback works as a tremendous lucrative towards opting for Apple Card.

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To know more about Apple Card, its application, payments, and other details download our iOS app. If you have any further queries, feel free to shoot us a question in the comment section below or contact us through our Facebook, Twitter, and Instagram.

Dhvanesh Adhiya
Dhvanesh Adhiya is the founder and editor-in-chief who takes care of audio, visual, and textual contents uploaded on He is passionate about wonderful apps that change the way your iPhone interacts in your life.
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