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Apple is pivoting hard, and it’s got a lot to show for it. Instead of releasing a new phone, watch, or computer, it’s releasing a credit card. Sound exciting? Okay, maybe not, but they’re turning that industry on its head by making things easier, and we all love that. Sign up for the Apple Card on your iPhone, and you get a digital card and a physical titanium card, neither of which has an expiration date, card number, or signature. All of that info is stored in your privacy protected Apple Wallet app. Oh, and did we mention there are zero late fees, annual fees, international fees, or over-limit fees? Yup. Interest rates will also be lower than standard cards. The digital card can be used anywhere Apple Pay is accepted, and all info on balances, etc. are on the app. You get Daily Cash that goes back to your card or toward purchases, and purchases from Apple get 3% returns. And for peace of mind, no purchase history is stored on Apple servers, and none of your data will be sold to third parties. What’s not to love?

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