After two invitation-only beta testing periods, Apple has officially the Apple Card to potential customers in the United States today. The credit card is a joint offering between Apple and Goldman Sachs, and is being widely offered to consumers with various income levels and credit histories, albeit with some caveats.

Apple Card is issued in two forms: a digital card accessible through the iPhone or iPad, and a physical card made from titanium that can be used in stores with either a chip or magnetic stripe. The cards have no visible credit card numbers, and conduct transactions securely over MasterCard’s merchant network.

Few details regarding the card came out during the first beta testing period with employees, but Goldman Sachs’ approval and denial policies

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