為了進一步融入其客戶的財務生活，蘋果在本周一推出了其針對iPhone的信用卡，并取名為“蘋果卡”。該信用卡由蘋果與高盛和萬事達卡聯(lián)合打造，擁有一些有別于傳統(tǒng)信用卡的特征，例如沒有可見的卡號。但它還擁有一些大多數(shù)人非常熟悉的特色，例如返現(xiàn)。

按照典型的蘋果行事風格，客戶可以在其手機的相關(guān)應用中注冊申請信用卡，并且在數(shù)分鐘之后開始使用。蘋果表示，該卡將于今夏發(fā)行。

該卡與蘋果的數(shù)字無線支付系統(tǒng)Apple Pay緊密捆綁?？蛻艨梢越璐吮憷赝ㄟ^自有的各類蘋果設(shè)備使用卡片來支付，或者在實體店和網(wǎng)上購物。

以下是有關(guān)蘋果新卡的五項須知：

它有別于父輩的信用卡

是的，雖然該卡由全白雕花金屬鈦制作，但它并非是一款實體信用卡，而且卡上并未印有卡號或到期日。

返現(xiàn)

像很多回饋卡一樣，用戶通過Apple Pay應用使用新卡將獲得消費額2%的返現(xiàn)，如作為普通信用卡使用可獲1%的返現(xiàn)。如果購買蘋果的產(chǎn)品，包括任何從其應用商店或iTunes購買的任何內(nèi)容，客戶可以獲得3%的返現(xiàn)?？蛻魺o需久等便可以消費返現(xiàn)額。蘋果表示，返現(xiàn)會立即出現(xiàn)在附帶應用中，可以用于購物、償還信用卡余額，甚至轉(zhuǎn)給使用Apple Pay的其他人。

無費用

蘋果表示，信用卡不收取年費、滯納金、超限額費，以及跨國交易費。蘋果網(wǎng)頁上有關(guān)新卡的注釋提到，該卡利率為13.24%到24.24%不等，取決于信用度。蘋果此前曾經(jīng)與巴克萊銀行合作，推出了一款更為普通的冠名Visa卡。該卡同樣不收取年費，能夠讓用戶積累可用于兌換蘋果禮品卡的獎勵積分。然而，它更像是一張普通的信用卡，并收取滯納金和其他額外費用。其當前的利率為16.24%到28.99%不等。

隱私保護

蘋果表示，公司為此卡提供的隱私保護力度比普通信用卡更大。公司稱自己無法得知客戶的消費地點、消費金額和消費內(nèi)容。高盛將獲得這些數(shù)據(jù)，而且不會將這些信息出售給第三方用于營銷或廣告目的。

更好的消費數(shù)據(jù)

新卡將通過蘋果的錢包應用提供非常詳細的用戶卡片消費信息。借助來自于Apple Maps的數(shù)據(jù)，該應用將展示每一筆交易發(fā)生的具體地點和時間，而不是傳統(tǒng)信用卡的消費提醒信息。蘋果的副總裁詹妮弗·貝利表示，該應用將把“這一信息轉(zhuǎn)換為人們能夠識別的名稱和地點?！痹搼脤R總這一信息，并處理每個用戶設(shè)備上的所有財務數(shù)據(jù)。然而公司稱，任何數(shù)據(jù)都不會發(fā)送至蘋果的服務器。（財富中文網(wǎng)）

譯者：Pessy

審校：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.