Naturally, there are financial incentives to use the card. There are no fees (not even international or over-the-limit fees), interest rates are "low," and clear reward programs. Daily Cash, for instance, gives you 2 percent cash back the same day you make any Apple Pay purchase (3 percent if it's for purchases from Apple).
The card won't be limited to the digital realm. The company is prepping a real-world credit card made from titanium (yes, really) that has no credit number, signature or other potentially identifying info. If a store can't handle Apple Pay, then, you have a way to use your card without fear that a thief could make easy use of it. All of your identifying info will sit in the Wallet app, after all.
Apple Card launches in the summer.