Can you get a physical Apple Pay card?

The Apple Card: Digital First, Physical Optional

Apple Pay has revolutionized digital payments, and the Apple Card, its companion credit card, is seamlessly integrated into this ecosystem. But unlike many traditional credit cards, the physical Apple Card isn’t automatically sent to you. This raises the question: can you even get a physical Apple Card? The answer is yes, but with a crucial caveat.

The Apple Card experience is designed primarily around its digital counterpart. When you apply for the Apple Card, you’re initially enrolled in a completely digital system. This means your virtual card is readily available within the Wallet app on your iPhone or Apple Watch, allowing for contactless payments almost anywhere Apple Pay is accepted. This streamlined digital experience is where Apple shines, offering a clean, intuitive interface for managing your finances.

However, Apple recognizes that some users prefer the tangibility of a physical card. For those who desire it, a physical titanium Apple Card can be requested during the application process. This isn’t an automatic inclusion; it’s an optional extra that you actively choose. This decision point underscores Apple’s digital-first approach.

While the titanium card is undoubtedly a sleek and desirable piece of hardware, opting for the physical version comes with a trade-off. The key difference lies in the Daily Cash rewards. While using Apple Pay offers a higher percentage of Daily Cash back on purchases (currently 3% back at select Apple merchants, 2% back using Apple Card with Apple Pay, and 1% back on all other purchases), using the physical Apple Card reduces that reward. You’ll only receive 1% Daily Cash back on all purchases when using the physical card.

Therefore, the choice boils down to convenience versus rewards. If seamless, digital payments and maximizing your Daily Cash rewards are your priorities, sticking with Apple Pay is the better option. If you prefer the tactile experience of a physical card, and the slight reduction in Daily Cash doesn’t outweigh that preference, then requesting the titanium card is a perfectly valid choice. Ultimately, the physical Apple Card offers a tangible backup, but its primary function is to supplement, not replace, the superior digital experience. The decision is entirely yours, based on your individual needs and spending habits.