• Tips - Access your hidden Apple Cash credit card
• Trivia - Have you abandoned your resolutions yet?
• Deep Dive - New ways to use your Wallet app
• Reader Questions - The best free fitness app for Apple Watch
• Fun and Interesting Tidbits - Why is a $50,000 iPhone up for sale?

💳 Use your Apple Cash as a credit card by generating a virtual card.

💬 Send Apple Cash by text using the Messages app.

💵 Make an Apple Pay purchase within apps on your iPhone.

Our Apple Watch challenge is still going strong! Now that it’s February, many of you may have let your fitness goals fall by the wayside. What day of the week are New Year’s resolutions usually abandoned?

• 📅 Friday
• 📅📅 Saturday
• 📅📅📅 Sunday
• 📅📅📅📅 Monday

🏆 What did you pick? Scroll down to find out if you got the answer right! 🏆

Our first ever iPhone Life Fitness Challenge has ended! These 20 users earned the most points out of almost 100 participants:

1. Ipikin: 2,998 pts
2. carey 77062: 2,962 pts
3. Ter050: 2,908 pts
4. Fran McQ: 2,895 pts
5. mpolinuk11: 2,808 pts
6. nmr1965: 2,741 pts
7. August: 2,617 pts
8. claudiawms: 2,509 pts
9. callmelizzie: 2,499 pts
10. Ann: 2,373 pts
11. Chica DeeDee: 2,311 pts
12. briansweet05: 2,280 pts
13. katkutter625: 2,187 pts
14. junkmail5000: 2,178 pts
15. jeshortmd: 2,137 pts
16. Olena Kagui: 2,092 pts
17. thom.darke: 2,083 pts
18. donovam: 2,031 pts
19. pdarcy1942: 1,952 pts
20. Lucy D: 1,890 pts

If you haven’t already, you can still join the February iPhone Life Fitness Challenge. As long as you’ve worn your Apple Watch, you can join in late and the free Challenges app will give you points for all the exercises you’ve already done this month. It’s a great way to come together as a community and motivate each other to reach our fitness goals—no matter what they are. We’ll be doing a weekly accountability post in our Insider Facebook group to share struggles, tips, and support each other on our healthy journeys.

To join the iPhone Life February Fitness Challenge, download the free Challenges app on your iPhone, and enter this code X42J when prompted. If you need any help joining the challenge, this article explains the steps and tells you more about the app.

Are you enjoying the challenge? Do you have any suggestions for how we can make it even better? Email OntheWatch@iphonelife.com and let me know.

As long as you have an Apple Watch Series 4 or later running watchOS 9.0 or later, then you’ve been carrying a digital wallet on your wrist! The Wallet app can store credit cards, IDs including your drivers licence, a smart lock and hotel key cards, concert tickets, boarding passes for your flight, and more! If you’re concerned about security, then you’re in luck; there is evidence that your virtual wallet is safer to use than a physical credit card and harder to steal than physical cash.

1. How to add cards, passes, and more to your Apple Watch’s Wallet app.

It is important to keep in mind that while you’ll find the Apple Wallet app on both your iPhone and Apple Watch, you might not have the same cards or tickets on both. In fact, some transit cards can only be on either your phone or watch.

While the same credit card can be stored on both, adding it to your phone won’t automatically add it to your watch—you’ll have to do that manually. Just open the Watch app on your iPhone, select Wallet & Apple Pay, and under other cards on your phone tap Add next to the card you wish to add to your Apple Watch.

To add a new card to your Apple Wallet, open the Wallet app on your iPhone and tap the plus icon, then select whatever you wish to add. Some tickets will have a QR code you can scan to add to your wallet. You can even add reward cards to your Wallet app!

2. Your default credit card on iPhone might not be the same as on your Apple Watch.

When you set a default card in the Wallet app on your iPhone, it will not necessarily be the default card on all your devices. You are able to add a different default card to each Apple device if you wish.

3. You can refill your transit card directly from the Maps app.

Adding money to your transit car isn’t necessarily faster when done via the Maps app, but it allows you to check the cost of your trip first so you know exactly how much you’ll need to add and then do it without leaving the app!

4. Make in-store and online payments using Apple Pay!

Not only can you use Apple Pay for in-store payments, you can also use it while browsing online or purchasing a product within an app. We’ve even compiled a comprehensive list of businesses that accept Apple Pay payments, including gas stations. Here’s the best way to quickly find out if a business accepts Apple Pay. And yes, you can even get cash back using Apple Pay at most major grocery stores, including Costco.

5. What security features make Apple Pay and Apple Wallet so safe to use?

It is always a good idea to look into security and privacy features of any device or product you use. Apple Pay is more secure than using a credit or debit card, because it is encrypted, plus the risk of losing your card or having your card information written down by an unscrupulous person is eliminated.

Your debit or credit card information is stored safely in the Wallet app on your iPhone, but not by Apple. This means no one at Apple has access to your card information. Apple also refrains from tracking transaction information from your purchases, so the only parties that are aware of that history are you, the vendor, merchant, or developer you paid, and the financial institution that issued the card associated with your Apple Pay account.

Your iPhone's hardware helps ensure Apple Pay security because, as mentioned before, your phone must have a passcode enabled for Apple Pay to work. This means even if you lose your phone, no one will be able to use your account to pay for goods and services or transfer money unless they figure out your passcode.

Which of the apps I mentioned is your favorite? Are there any Apple Pay, Apple Cash, or Wallet tips you love that I didn’t include? Email OntheWatch@iphonelife.com and let me know!

You asked and we answered!

Every fitness app costs money so I went back to my Fitbit that offers so much for free. Can you suggest free apps? - Dee M

Hello Dee, my favorite Apple Watch fitness app is the built-in Activity app. It tracks the steps you take, the distance you travel, and the floors you climb. It also lets you set daily goals for yourself and compete with others. You can even earn Apple Fitness Challenges and track your fitness trends. If you are looking for apps that show you exercises to do, Apple Fitness Plus is also native to your watch and is free for a year after you make your purchase. One cheap third-party app I’ve used for simple exercises is Streak Workouts, it has a one-time $4.99 fee. I’ve also had friends recommend Gentler Streaks (free), but haven’t tried it yet myself. Hope this helps! I used to have several Fitbits also, and while I enjoyed it, I prefer using my Apple Watch as a fitness tracker. I even wrote an article comparing them!

✉️ Email your questions to OnTheWatch@iPhoneLife.com and we might answer them in a future edition! Questions may be edited for clarity and length.

The correct answer is: 📅 Friday

Just because the weekend is here doesn’t mean you have to give up on your goals! Now is a great time to resume those paused resolutions.