不是更低的循環利息，是可以"0循環利息"
原文如下
Most credit card statements emphasize your minimum amount due. And if you pay
just that, it costs you a lot in interest over time. Apple Card is different.
When you’re ready to make a payment, Apple Card estimates the interest you’
ll wind up paying, based on any payment amount you choose. And it does it in
real time, so you can make an informed decision about how much of your
balance to pay down
蘋果附的示意圖如下
https://imgur.com/j5jxgRJ
看起來是有幾個付款級距可以選，在全額付款之前還有一個級距是0息
個人是覺得很吸引人就是了XD
※ 引述《bboy0720 (D3理財週報)》之銘言：
: 新聞來源:
: https://www.macrumors.com/2019/03/25/apple-announces-apple-card/?fbclid=IwAR0oO5u9O6Ii8NtJ_N9OKuTQ8j8YB9vWugv-Xb32yY6Q-bEJChy1E-Yeaf0
: 摘要:
: 今天一早看到的消息，簡單來說 我大apple 和高盛合作，要在今年夏天推出第一張
: 聯名卡。現金回饋2% (蘋果系列3%) 當日刷當日回饋入賬使用，無遲繳違約金、更
: 低的循環利率、金屬卡。
: 並且，實體卡沒有卡號、沒有CCV、無到期日、不需簽名。試圖為信用卡市場創造
: 一個新的未來。
: 原文:
: Apple today revealed a brand new service called "Apple Card," a new digital
: and physical credit card that users will be able to sign up for right from
: their iPhone. Apple says this sign-up process takes just a few minutes and
: then they can start using the Apple Card right away in stores, in apps, or
: online worldwide. Apple partnered with Goldman Sachs and Mastercard for Apple
: Card.
: After spending, Apple Card will give users simple real-time views of their
: latest transactions and balance in the Wallet app. Apple Card uses machine
: learning and Apple Maps to label transactions with merchant names and
: locations. Purchases are then automatically totaled and color coded through
: categories like Food and Drinks, Shopping and Entertainment, and more.
: At the end of each week and month, the Wallet app will show what users spent
: to help visualize their past finances. The company will also provide 24/7
: customer support through Messages.
: Anyone who uses Apple Card will receive a percentage of every purchase amount
: back as "Daily Cash," the card's rewards program. Every time users pay with
: Apple Card they will receive 2 percent Daily Cash back, and if they make a
: purchase directly with Apple they'll get 3 percent Daily Cash back. Daily
: Cash is immediately added to the user's Apple Cash card in the Wallet app,
: and can be used anywhere Apple Pay is accepted.
: Apple Card has no fees associated with it, and the company says that "Apple
: Card’s goal is to provide interest rates that are among the lowest in the
: industry and if a customer misses a payment, they will not be charged a
: penalty rate."
: As with Apple's other services, the company promises that Apple Card is
: completely secure and private.
: A unique card number is created on iPhone for Apple Card and stored safely in
: the device’s Secure Element, a special security chip used by Apple Pay.
: Every purchase is secure because it is authorized with Face ID or Touch ID
: and a one-time unique dynamic security code. The unique security and privacy
: architecture created for Apple Card means Apple doesn’t know where a
: customer shopped, what they bought or how much they paid.
: There will also be a physical Apple Card for shopping at locations where
: Apple Pay is not accepted. The card is made out of titanium, has no card
: number, no CVV, no expiration date, and requires no signature.
: Apple Card launches in the United States this summer.