I consider the Apple Card’s interface on the iPhone to be nothing short of amazing. No other credit card I have has anything like it. On my iPhone I can access every transaction and every statement on my account going back years to when I opened the account. I can pay my bill without typing a single number. My current balance and recent transactions are all up front and updated in near real time. And there’s a link to the savings account where all my daily cash back goes, also with detailed records going back to the beginning of the account. I would give Apple an A+ for the Apple Card’s iPhone interface.
I agree with that. The interface is substantially better than anything any of my other CC websites (or apps, which are usually fairly underhwelming) offer.
The one thing I truly miss with Apple Card though is that there’s no filter for pending charges. There’s filters for pretty much every other category, but I cannot get it to show me only pending charges. Particularly when AC use is heavy, it’s easy to lose track of things (especially hotel holds that take two weeks to disappear or finalize /smh) as they get buried below lots of other ongoing charges.
I agree with Duane and Simon here. IMO, the Apple Card UI on iPhone totally caters to my data junkie ways. I get more info on each transaction than any other credit card, and I can see all those details going back to August 2019, when I first got the card.
I also really like how most of my purchases go from pending to posted status a full day or two more quickly than with any other card. This particular nicety may or may not continue once Chase takes over and does the backend processing.
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have to agree. apple card easily became my favourite creditcard to the detriment of other providers who thus got kicked to the kerb (here’s looking at you, wells fargo (didn’t help that they’re an excessively criminal bankster)). only flaw with the card is i have to fake my location on planet earth, which is tricky but doable.
An iPhone interface could be the best the world has ever seen, but a 6" iPhone only interface is far worse than an application or web page on my 27" iMac. Shame on Apple or any other company that requires a mobile device to fully manage their account.
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I also wish they’d release Wallet for the Mac or at least offer a web version of Wallet through iCloud.
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It exists. Check your System Settings. It’s used when the purchase includes the option to use Apple Pay.
Nah, I’m talking about a real app that shows me all of the data the iOS app shows and also allows me to filter it in similar ways. Although I frequently also use Apple Pay from my MBP, the Wallet Settings tab has nothing on the Wallet iPhone app.
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Note: Magic Keyboard required.
Or any modern portable Mac since they come with TouchID built in.
That’s why Apple created iPhone Mirroring on macOS. It’s so you can look at your Apple Card info on your Mac screen. (I don’t know if I’m being sarcastic or not. One never knows Apple’s thinking!) But that is certainly the way I reconcile my Apple Card charges each month. I get the statement as a PDF from my desktop browser, then bring up the transaction list on my iPhone “remotely.”
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Well that’s swell and dandy when the mirroring app works, eg. I have my iPhone right with me and it doesn’t need to be re-authorized for the umpteenth time (it appears every single little dot update to iOS requires a re-auth). But it still doesn’t solve the actual issue. A dedicated Mac app or browser display can offer a lot of detail on a typical 27" screen. iPhone Mirroring OTOH just shows you the exact same thing as whatever was confined to the limitations of a small iPhone display. A short list with sparse detail and lots of tapping required to get to all the relevant details. That’s of course why we still have lots of dedicated Mac apps. That is what I want for Wallet. Not mirroring what I already have. Just like Mac Safari has its proper place instead of just mirroring iPhone Safari on Mac.
Amen to everything you said, @Simon . I have the same issue with Health—I’d like to be able to use a big screen to see longer trends in health metrics.
Like you, I still value desktop computers. A few years ago when ‘they’ said that everyone only uses phones and tablets now, I begged to disagree!
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Slightly off-topic, but I just discovered that you can download transactions (in .CSV, .OFX, or .QBO format) from Apple’s web site for Apple Card for any period, including during the current month - which is something that you cannot do in the Wallet app on iPhone. There you can only export transactions month-by-month after the month has already closed. On the web site, log in to your account, click Statements, and then there is an option at the top “Export Transactions” that lets you select a start date (on or after January 1, 2025) to the current date.
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I was just reminded there’s an even more pressing case for a proper Wallet app on Mac.
If you use ApplePay not in conjunction with Apple Card or Apple Cash, but with just a regular debit/credit card issued by your bank that you have in Wallet, you will have noticed that the record of such transactions is device specific, not Apple ID-specific. On iOS Wallet, only charges to that debit/credit card made from that specific iPhone will show up. Likewise, on macOS Settings > Wallet & Apple Pay only charges made from that specific Mac will show up in that list.
But there is nowhere (at least as far as I can tell from all my searching) where you have one unified view of all Apple Pay charges to a specific debit/credit card in your Wallet.
And that means on macOS you are stuck without any meaningful detail. Whereas on my iPhone, I can see, besides the name of the merchant and the charge amount, the exact time and date of the charge as well as location of the business at which I made that charge, macOS offers nothing more than the name of the merchant and the amount. Not even an icon gets displayed in that puny list. That is how poor the level of detail is for Wallet charges on Mac as per its Wallet & Apple Pay settings panel.
That’s a gaping hole that IMHO needs to be improved asap. Personally, I’d be fine with adding to that settings panel, if a proper Mac app is indeed a bridge too far, but at the very least the detail offered through the Settings panel needs to be vastly improved.
[And yes, this whole sidebar needs its own thread. Apologies for the OT.] Thank you for the splice, @ace.
But information about a non-Apple-sponsored credit card is available from the issuer, either via the issuer’s mobile app or website. The Apple cards appear in Apple Pay because Apple uses Wallet as the mechanism for providing that information for the cards it sponsors. Apple is the exception here, since the sponsor (Apple) provides the information rather than the issuer (Goldman-Sachs). Apple, for better or worse, has chosen to make the IOS Wallet the primary mechanism for providing information for its own card. For other cards, the Wallet only records transactions made using Apple Pay on that particular device; it does not have the full knowledge that the issuer has.
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That is not correct.
As I pointed out above, Wallet is device-specific, not Apple ID-specific.
So on your iPhone you cannot see Apple Pay charges made from Mac just as you cannot use Mac’s Wallet settings to see charges made from iPhone. Those lists are mutually exclusive. It doesn’t matter that both devices have the exact same debit/credit card stored in their respective Wallet. You can only see charges (again, apart from Apple Card and Apple Cash) that were made from that specific device.
So you cannot, by design, use iOS Wallet to check up on details of charges made from Mac. And vice versa.
Now yes, if you prefer to wait 30 days until a paper statement from your bank arrives with snail mail, that’s fine. But for those who don’t and prefer the great way iPhone Wallet displays these charges, this is a complete no-brainer. Apple already collects all this data and readily displays it, there is no technical issue (as demonstrated by Wallet on iPhone). But Wallet on iPhone by design cannot show it all, so we need a Wallet on Mac (or equivalent, as indicated above) to show the rest of what’s going on.
I think we’re talking past each other. Here are observations based on the current information in my Apple Wallet:
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Apple Credit Card–all transactions show up in the iPhone Apple Wallet. For example, I currently see 10 transactions going back to late December 2025. I did not use Apple Pay at all, but the various transactions include subscription payments to Apple, some payments using the changeable internet card number, and some card declined transactions arising from me changing that number.
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Other credit cards–I use Apple Pay from my Apple watch extensively for payments using credit cards issued by banks and American Express, with some of those sponsored by other businesses (Costco, Amazon Prime, and airlines). Whether the payments ‘made’ via Apple show up in the iPhone wallet varies. One of my banks shows none; another shows only payments made via Apple Pay on my Watch; and American Express shows all initial transactions but not the adjusted real amount (for a gas purchase, it showed the amount held rather than the final purchase amount). The ‘truth’ for all these cards can be found on the card issuer’s website or app. For example, I checked the Citi IOS app for my credit card sponsored by Costco. It showed pending and completed transactions for the card. The pending transactions for restaurants (including the one I ate at an hour before checking; I paid using Apple Pay on my watch) showed the billed amount without the tip added.
So, to slightly modify what I said before:
For cards other than the Apple Credit Card, the transaction information in the Apple Wallet varies by issuer. while the iPhone Wallet information for the Apple Credit Card reflects all recent Apple Card transactions. For non-Apple Credit Cards, recent transaction information is available in the iPhone app and on the credit card issuer’s website.
Actually, this depends on the card/bank. For my Visa card, I see the same thing - it only shows charges made from that device. But an American Express card’s Wallet entry shows all charges made on the card, including those made with the physical card. (At least it did several years ago, when Costco’s credit card was AmEx).
You can also log on to your bank’s web site or use your bank’s mobile app. I do this every evening to make sure there are no unexpected charges. I see all charges, pending and posted, and the site/app usually updates within a few seconds of a transaction.
I never mentioned Apple Watch or Apple Card.
The issue I raise is with debit or credit cards that have been added to wallet.
For a charge made to such a card through Apple Pay, iPhone Wallet offers for more detail than the macOS Wallet Settings panel. There is no ground truth source encompassing all such transactions because they are, in general, device specific. Putting a proper Wallet app on Mac could provide for the same detail as presently only available on iPhone. If it can be done on iPhone, it can be done on Mac. And because I like the level of detail offered by iPhone Wallet, I’d like that on Mac. That’s all I’m saying.