At Apple’s “show time” services event today, it announced a new Apple Card credit card, promising to improve things about the credit card experience with simpler applications, no fees, lowering interest rates, and offering better rewards.

To get an Apple Card, users will be able to sign up on their phone in the Apple Wallet app and get a digital card that they can use anywhere Apple Pay is accepted “within minutes.” Customers will also be able to track purchases, check balances, and see when their bill is due right from the app. There will be a physical, titanium card too — but there’s no credit card number, CVV, expiration date, or signature, with all that authorization information stored directly in the Apple Wallet app.

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