Why is the apple card website so awful? You cant even view a list of transactions. Its like a credit union website from 1998. What if I dont have an iphone Appl

Management of your Apple Card has always been intended to be done on the iPhone using the Wallet app. You have far more security protections here than you can find on a website. Transactions and payment options are done only in this secure environment. If you don't have an iPhone then the Apple Card is not for you.

Apple does not hide this fact. Even though you can sign up online, the eligibility requirements say you need a device that has Apple Pay and two-factor authentication:

See if you're eligible

• To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
• You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
• Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
• You must sign in on your device with your Apple ID and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver License or State-issued photo ID.5

How to apply for Apple Card - Apple Support

No one here in this user-to-user forum would know why Apple does or does not do something. However, it's fairly apparent from all the marketing and support materials I've seen that Apple intended Wallet to be the primary way people interact with the Apple Card account. The website was only added much later.