Before you can activate your Verve Card for online transactions, you’ll need to have one. If you haven’t applied for a Verve Card yet, visit your bank or the card provider’s website to apply.

Additionally, the Apple Card account has no annual fees, no late fees, no over-the-limit fees, no returned-payment fees, no maintenance fees, and no setup fees. You will, however, be charged ...

Your credit card might quietly be the smartest backup for those big-ticket buys — if you turn on the right perks first.