No cryptocurrencies, gambling, travelling or jailbreaking for Apple Card users

Apple Card is about to be released in the US, and it now seems that there will be quite a few restrictions on what users are allowed to do with it. In fact, the “not allowed” list is surprisingly long.

Goldman Sachs recently published the Apple Card User Agreement on its website. This states that users must have an “eligible device” before they can access the card – i.e. a device that is connected to an “Apple ID associated with an iCloud account that is in good standing with Apple”.

Two-factor authentication must also be activated.

Users who have had their iPhones “jailbroken” (similar to “rooting” an Android, but not quite the same) will not be able to access their Apple Card account, or even manage it.

During the application process, users have to accept that if they use a modified phone in connection with their account, it will be regarded as a violation of the contract – and it might cause them to be denied access, or granted only limited access. Another avenue that Apple reserves the right to pursue is “closing your Account as well as any other remedies available to us under this Agreement”.

Apart from that, you will not be able to use your card for cash advances. Even worse, the following are also prohibited: buying cryptocurrencies, foreign currency, travellers cheques, or other cash equivalents. The prohibited list also includes peer-to-peer transactions, money orders, lottery tickets, wire transfers, race track wagers, casino gaming (both offline or online), or anything similar.

To be fair, these rules are fairly common as far as credit cards are concerned. It will nevertheless be a disappointment for people who hoped that Apple’s “smarter credit card” would be much different from any other old card out there.

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About the author


I've been a passionate evangelist for Apple and the Macintosh throughout my working life, my first love was a Quadra 605 working with a small creative agency in the south of Norfolk UK in the mid 1990's, I later progressed to other roles in other Macintosh dominated industries, first as a Senior graphic designer at a small printing company and then a production manager at Guardian Media Group. As the publishing and printing sector wained I moved into Internet Marketing and in 2006 co-founded which grew to become one the top 200 visited sites in the US (according to Quantcast), at its peak receiving over 15 million visits per month. For the last ten years I have worked as an Affiliate and Consultant to many different business and start ups, my key skill set being online marketing, on page monetisation, landing page optimisation and traffic generation, if you would like to hire me or discuss your current project please reach out to me here.

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