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Apple enters new genre by introducing ‘Titanium Credit Card’

Apple announced a new credit card issued in conjunction with Goldman Sachs at a launch event at its campus on Monday.

Apple is promoting it as a simpler credit card, with no fees, powerful integration with iPhone spending tools and attractive rewards when customers use Apple Pay, Apple’s digital wallet.

The company glossed over many critical details, including interest rates and who will qualify. In fact, people with bad credit might not even be eligible for Apple Card.

APPLE PAY CASH FEES – While the Apple Card doesn’t have an annual membership fee, there are some fees for certain transactions through its Apple Pay Cash service. HIGH

VARIABLE APR – Like other credit cards, the Apple Card has a high interest rate for people who carry a balance. Apple said that users will pay an APR between 13.24% and 24.24%, based on individual credit scores.

Apple said on Monday that its goal is to

“PROVIDE INTEREST RATES THAT ARE AMONG THE LOWEST IN THE INDUSTRY”

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