Apple released 'Apple Card', a payment service prepared by Apple as part of its strengthening service business, on November 20 (local time), CNBC reported.

Apple announced today that all US consumers will be able to use the Apple Card.

Apple has been previewing the service early this month with limited customers.

Apple Card is an iPhone integrated credit card that Apple has partnered with Investment Bank (IB) Goldman Sachs.

There is no fee for this card, but if you do not pay your credit card in full, you will be charged 12.99 to 23.99% of interest per year, depending on your creditworthiness.

IPhone users in the United States can apply for the card using the Wallet app, and when approved, they can use it directly in stores, apps, and websites through Apple Pay payments, Apple said.

Apple also said it will expand its daily cash back program 'Daily Cash' to more products and app services.

It also included a car-calling service Uber and food delivery service Uberitz.

The card also features a `` payment nudge '' feature to help maintain financial health.

This allows you to simulate how much you will have to pay if you pay only part of the card and carry over the rest.

Payment Nudge also breaks down your spending by type and lets you know in real time. This allows users to track their spending status weekly or monthly.

Apple has asked Goldman Sachs to make the Apple Card accessible to as many of its 100 million US iPhone customers as possible. Goldman Sachs is also accepting applications from people with moderate credit ratings.

In a recent review of Apple Card, CNBC said in its review that "Apple's credit card is not meant to enter the financial services business, but to hold iPhone customers."

Apple is trying to expand its service business by leveraging subscription services, which regularly cost fees due to the stagnant sale of the flagship iPhone.

News subscription service 'News + (plus)', video streaming service 'TV +' and so on.

(Yonhap News, Photo = Getty Images Korea)