Titanium card security question

The Titanium Card is not a tap to pay card at all. Nothing can be gained from the card by having it in proximity next to a point of sale terminal. You have no access to the actual account number of the Titanium card either, it is not displayed on the card or even in your phone.

It is much safer than any other credit card for those reasons. If you lose the card, you can remotely deactivate it on your iPhone. As with any other credit card, another person could use it and even with a signature, it would not prevent a purchase as retailers do not verify signatures. It is not the card that will ask for a signature, it is the retailer where any card is used. Just like with any other credit card, if used on a terminal that a scammer had installed a skimmer, it could read the card details when swiped or inserted. You would get a notification of any purchase on your phone.

"What happens if I lose my card and some else finds it and uses it? Does it ever require a signature? Thanks!"

That would apply to ALL credit cards, not just the Apple Card Mastercard. If a credit is lost or stolen that’s why you need to immediately call the support number and report the loss, cancel the card.

Most credit cards these days include tap-to-pay. If your card is very close to a terminal it may be picked up. A thief could also pick it up with the right hardware. That’s why many, myself included, have switched RFI blocking wallets or simply don’t keep any physical cards in our wallets is we can. Tap-to-pay has become pretty ubiquitous, especially in Europe. I use my iPhone to pay everywhere I can.

Do you not use other credit cards or debit cards?

But to make sure you understand... the Apple Card Mastercard is no different than any other credit card in this matter. There’s nothing special about the Apple Card other than its features and cash back, etc.

Hello~ To answer your question about losing the card…

How to request or replace a titanium Apple Card - Apple Support*

*How to get a replacement card

If your card is lost or stolen, you should lock the card before you request a replacement card.4 Additionally, you can contact an Apple Card Specialist at Goldman Sachs. 

You can also request a replacement card if your titanium card is damaged or expired. 

On iPhone

1. Open the Wallet app.
2. Tap Apple Card.
3. Tap the More button, then tap Account Details. 
4. Scroll down to Titanium Card and tap "Request Replacement Card," then follow the instructions on your screen.

~Katana-San~

Signature requirements are set by the merchant, not the issuing bank. The Payment Network Operator (Mastercard, Visa, American Express etc.) and merchant’s credit card processor also may establish a transaction limit, above which requires a signature on the slip. Chip transactions may not require a signature at all.

Correction, the Titanium Apple Card does not support tap-to-pay (NFC) like other cards do. One less security issue to deal with.

Most people’s signature is relatively easy to duplicate (counterfeit). I seriously doubt your face can be counterfeited. Just from my own personal experience, no one has checked my signature on a credit card receipt in over 10 years.

FYI: The all metal construction interferes with NFC antenna. Other metal cards like AmEx Platinum and Chase Reserve are a composite with a nylon material in the center bonded to an upper and lower metal plate. The NFC antenna is embedded in the nylon center material.