I'm not going to get an Apple credit card heh. But where did you see this info? They said the number & ccv would be available via the apple wallet app for use online (although you only get 1% back).

There’s an actual card number and CVV code associated with the card.

Yes, but how do you access them?

Using Wallet on your iPhone.

This is why it's an 80% solution. Most of my online purchases are at specific places (Amazon, other sites using Paypal, directly through airlines, etc).

However, if Apple can isolate most Apple purchases to using their own card, things get interesting. 3% off Apple purchases is pretty decent. Kind of like Amazon wants all it's data for purchases through it's own card.

No true. You can use your standard card numbers online without Apple Pay. You get the numbers from within the wallet app.

Sure you can, you just have to pull the info from your wallet app.