A significant change is coming to the Apple Card. Apple has officially announced that Chase will be the new issuer of the credit card. The transition is a long-term process and is expected to be completed within approximately 24 months. For users, nothing will initially change in their daily lives, as the Apple Card can continue to be used as usual throughout the entire transition.
Since its launch in 2019, the Apple Card has pursued a clear approach, focusing on financial health, transparency, and easy management directly from the iPhone. With Chase as its new partner, Apple continues on this path, working with one of the world's largest credit card providers, which already has extensive experience with co-branded credit card programs.
Change of publisher within the next 24 months
Apple and Chase have jointly confirmed that Chase will assume the role of issuer for the Apple Card. The transition will not happen overnight, but rather over a period of approximately two years. During this time, the Apple Card will remain fully functional. Payments, refunds, cashback, and all familiar features will continue to be available without restrictions. Apple states that it will inform users of specific dates and further details as the transition approaches.
The features and benefits of the Apple Card remain unchanged
Even under Chase, the Apple Card remains a fee-free credit card. There are no annual fees, foreign transaction fees, or late payment fees. Users continue to receive up to 3 percent unlimited daily cash back on purchases. The cash back amount depends on whether the payment is made with Apple Pay, at select partners, or with the physical card.
Daily Cash is automatically credited to the Apple Cash card in the Wallet. From there, the balance can be used directly for purchases in stores, online, or in apps with Apple Pay, without any additional steps.
Management via Apple Wallet and focus on financial health
The Apple Card is managed entirely through Apple Wallet. There, transactions can be viewed in real time, categorized, and monthly spending tracked. The goal is to provide a clear understanding of one's spending habits and enable more informed financial decisions. This approach has been a core element of the Apple Card from the beginning and remains unchanged with Chase.
Apple Card Family and shared use
Apple Card Family lets you share an Apple Card account with family members. You can add individual users, review spending together, and set limits if needed. This feature is especially useful for families or households that want to manage spending transparently and value shared financial responsibility.
Interest-free installment payments and integrated savings account
Another feature of the Apple Card is Apple Card Monthly Installments. This allows you to pay for new Apple products in monthly installments without incurring interest, provided this option is selected at the time of purchase. This makes larger purchases easier and ensures predictable expenses.
Additionally, the Apple Card offers access to an integrated savings account. Once set up, all future Daily Cash repayments are automatically transferred to this account. This allows you to use cashback directly for saving without having to make manual transfers.
Mastercard remains a payment network
Regardless of the switch to Chase, Mastercard will remain the payment network for Apple Card. This ensures continued global acceptance of the card, as well as Mastercard's established security standards and additional benefits. Apple, Chase, and Mastercard jointly emphasize that simple, secure, and seamless payments remain their top priority.
Voices of the companies involved
Apple highlights that the Apple Card has fundamentally changed the credit card experience, particularly through innovative tools that support healthier financial choices. Chase emphasizes their shared focus on innovation and consumer financial well-being, viewing the partnership as an extension of its co-branded credit card program. Mastercard, in turn, points to its long-standing collaboration and notes that the Apple Card has elevated the payment experience to a new level.
Apple Card remains functionally unchanged
With Chase as the new issuer, the Apple Card enters a new phase, without losing any of its proven features. The card remains free of charge, continues to offer Daily Cash, flexible installment payments, and comprehensive management through Apple Wallet. Usage will continue unchanged during the planned transition over the next 24 months. Apple provides further information and frequently asked questions about the transition on a dedicated Apple Card Transition information page. (Image: Shutterstock / Iv-olga)
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