Apple's Monday announcement of a credit card – the Apple Card – represented a natural progression of the company's journey into financial services that began with the Apple Wallet app and its contactless digital payment service, Apple Pay.

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The Apple Card, as described by the company this week, will offer users some attractive features: up to 3% cash back on daily purchases, no late or international transaction fees, and a physical chipped card make of titanium (sans any credit card numbers – just your name and an Apple symbol).

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