Why You Need an Apple Card in 2023
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- Опубликовано: 27 июл 2024
- It's been three years since Apple released the Apple Card and I have been using it for those three years to rack up a ton of rewards. So in this video I want to tell you my experience using the Apple Card for these past three years, what updates have been added since the launch of this card, how much daily cash in total I've earned, what the best reward categories are, and why I think this could be the best credit card for Apple Pay users.
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I am an Amazon prime user. The 5% back is awesome with their card using Amazon purchases. 2% back at gas stations and grocery stores is nice too.
I recommend the new credit card by Wells Fargo for gas and grocery. It's called the Wells Fargo Autograph Visa. You get 3x points on grocery and gas (1 point = 1 cent) which is basically 3% back with no annual cap. Unless you have the Costco Visa, which offers 4% back on Costco gas up to $7k/year.
5% at Whole Foods if you shop there 😉
@@rays3812 the moment you said Wells Fargo, I puked 🤮
Love the Amazon prime card 🤘🤘🤘
@@happytoberu Amazon Prime Visa is good for Amazon purchases. But it's only 2% back on gas and grocery. I agree, WF is garbage. But 3x points isn't bad. There is a Discover Card that offers 5% back on gas, but it caps at $500/year. That's like, 3 tanks of gas with today's prices... 🤣🤣
I treat my Apple Card just like a corporate Amex; I use it mainly to reap the rewards, funneling as much through it as I can, but always paying off the balance every month. It just doesn't make sense to carry a balance with the Apple Card since it will quickly offset your reward dollars when you have to start paying interest.
How do you physically pay off the card balance at the end of the month. I understand how this card would be used, but not how you pay it off each month.
@@jimbob4456 on the day that I go to pay it each month before the due date, I look at what the total balance is and that's how much I pay for the month. Apple Card payments are submitted through the wallet app and are linked to your bank account(s). You pick how much to pay and which account to pay out of each time you do it.
@@marcberm I didn’t know you could have links to multiple bank accounts. That would be good.
One other question if you don’t mind. Say I have some money in a bank that is in a standard savings account and I want to transfer it to the Apple savings that I would of setup. How is something like that done. Is the transfer initiated from my Bank savings account or from the Apple savings account. Thanks
@@jimbob4456 I'm not entirely sure but I think the Apple Card can only link to a checking account for payments, vs. savings accounts. The accumulated cash back can also be transferred to the same checking account but again that's not savings. The Apple Card is just a credit card vs. an account like a checking or savings that are meant to hold money.
@@marcbermI’m really not used to this chat log of someone asking a genuine question and getting an actual answer with honestly and respect
Beware: Citi Double Cash Rewards charges int'l transaction fees. Apple Card and Capital One do not charge int'l transaction fees!
Top tip: with a card like the Blue cash or Blue cash preferred, you can get 3% or 6% back on Apple purchases respectively by just buying Apple gift cards from your local grocery store (it's slightly less than 6% for the preferred if you take into account the annual fee, blue cash has no annual fee). Slightly more work for this, but even for someone that regularly buys Apple devices, it's not really difficult to do. The same trick can be used on other gift cards from other merchants too, plus there is the other cash back categories. So while I agree the Apple card is very simple, you can get greater gains with just a little more planning.
If you often buy at groceries, you can really make the Blue Cash Preferred work for you. I’m practically getting paid to use the card.
Top tip 2: with Discover It you can get 5% on up to $1500 per quarter by using a digital wallet to buy apple gift cards
Btw the Amex BCE is an amazing card. Amex offers aren’t addressed enough in these credit card videos
You can do the same thing with the Amazon Prime Visa. Buy Apple gift cards at Amazon, and get 5%.
you dont get the cash back when buy gift cards
@@HarjotSingh-rx1pt You do get cash back with gift cards purchased at Amazon on the Amazon Prime card. This is at least the case with Apple gift cards and Amazon gift cards. I’ve bought many.
another great perk that you mentioned about this card is for those of you who are going abroad any time soon. The 0 transaction fees are such a lifesaver and most other popular foreign countries all take Apple Pay. I think they even first adopted the clover device that they bring to your table so you can still use your phone to get 2% cash back!
The integration into the Wallet app is by far superior to any other credit card app - which makes sense as an Apple product.
It’s my go-to card while traveling because of security and being able to rotate the security code on a moments notice or block the card - compared to other cards where you are just blocked from using a card for days or weeks until it gets resolved and issued a new card.
Nice tips, thanks!
Adding to this - if you suspect suspicious activity, you can always request a new card number and start using that new card number immediately since it’s tied to your wallet app.
google pay let's you integrate any card into its wallet, also airline miles, and other rewards, gift cards. Tap ane "pay" (actually redeam) any of these.
I've had the Apple Card for about a year now and love it. I also make purchases and pay it completely every month to avoid the interest rates. Thank you for telling me about the Apple Pay 2% versus using the card - I didn't know that. Your videos are alway informative and I just wanted to thank you.
Realistically that is true of any Credit Card, if you pay it off within twenty-six days you can skirt the interest. American Express was literally built on that principle…
🤔
@@superzero4250Well, to be fair though, American Express didn’t start out as a credit card - it started out as a charge card. It didn’t allow you to carry a balance at all. It only allowed you to charge things that you paid for at the end of the month.
I tried to apply unfortunately they don’t won’t approve me!
Damn you’ve spent $171,400 to be able to get that $3428 cashback. That was crazy lol.
That's how cashback works. It's 'free' money so im not complaining.
Greg,
The one thing I enjoy about the credit card is the option for buying a new Apple product in monthly payments.
So I remember applying for this card last year and I wasn't accepted since I had no credit history or any sort of credit card open yet. I watched this video and I was persuaded to apply again. I GOT IT! I plan on making it my main card to use and hopefully it doesn't dissapoint
How’s the card at this point if you don’t mind me asking?
@@ThyrdEyeJedi So far I’ve loved it I opened up the apple savings account so all the cash back I get goes straight into the savings account but so far I’m loving it. It’s super easy to use and pay off. It’s also great because it makes financing products at apple super easy at 0 APR. I would definitely recommend it!
Yeah I have some cards that offer better rewards in certain situations but I love the Apple Card and I use it often.
One important thing you didn’t mention about the physical card in restaurants is that in the US most servers take the cards back somewhere out of sight to process the charge. I’ve been the victim of fraud this way before, and I really like the fact that the Apple Card has NO numbers on it for criminals to steal. For this reason, it my go-to card in restaurants generally (unless Discover is offering 5% that quarter).
The other thing I like about it is how easy it is to use with Banktivity or Quicken. Yes, it won’t automatically download into those financial apps, but at the end of the month it is easy to download through the wallet app and import with a couple of clicks into the software using any file type you want. I didn’t apply for the card for a couple of years because of not being automatic, but that small step is really NBD and it’s worth it to be able to use the Apple Card.
Oh I just got mine it’s coming in the mail. I thought the numbers where in the back but that’s awesome there’s none what’s so ever! But am I able to use it for bills? Where can I get the 16 digit card # then? If at all ?
Except that Apple can and will charge for items you have not ordered.
@@marioblanca1 huh?
@@dxrksideofthemoon you can access those number in your apple wallet
Unfortunately, for american restaurant owners the ease and comfort of having POS integration is more important that the safety of the patrons’ cards. Sad but true, they simply don’t care about the risk of people’s card info being stolen.
Wow, you even made taking about the Apple credit card … into a cool video. At its introduction, I tried to apply and was told it was only for people who owned an iPhone. Then about a year later, I found out iPad owners could also apply. However, by then, I was no longer interested. Currently, I have been moving my cash assets into local credit union accounts offering 3 percent to 5 percent ARY rates (smile…smile).
I love using my Apple Card as my primary credit card, it’s the easiest to use & to pay. I can’t wait for the savings account. 👍💳
First time on your channel, great video. You also look like *Scarce,* iykyk 😂
This is good stuff. Although I really wish the actual card gave more percentage points because its probably one of the slickest cards out there.
2022 Love mine they notify you Johnny on the spot when and where a purchase was made even shows you on Apple Maps where and sometimes an exact picture of the place you’ve shopped at. When you completely pay off your debt on the card it instantly shows you are back at your maximum credit limit. It’s far better than my other credit cards I have to admit. It’s my go to card in my Apple wallet. Also to my U.S. Military active duty/veterans if you sign up (At the bottom of the page) and verify you’re active duty/veteran you get 10% off any purchases you make in a Apple Store or Apple online. Plus if you use your Apple Card at the store or Apple online you get 3% cash back on the Apple cash card. I just recently bought myself a Apple Watch Ultra (Christmas present to myself) and only paid like $690 something because of the 10% off and got 3% cash back.
I've been using mine for a couple of years now and love... I love the way it does the monthly charges from the Apple store but I need to figure out how to pay it off early, seems I can only pay the balance each month.
Apple Card is good for buying Apple products with 3% cash back but that's about it. You don't get any benefits such as purchase protection or insurance by putting it on your card like you do with other companies like Chase or Amex.
I mean do u really need purchase protection and insurance?
@@user-vv7ir1pl4j pretty much, yes
I get 3% back paying my Tmobile bill and certain restaurants. 2% is common as well. Not the best card bet definitely a sleeper.
There are other merchants that give 3%, not just Apple. It’s even mentioned in the video.
@@er1115restaurants? which restaurants? except for panera, if you count that as a restaurant, I don’t see any restaurants in the list of 3% merchants in Wallet and on Apple’s website.
It’s extremely uncommon outside of the us for servers to take your card. They bring a terminal to you or you walk to the terminal. It’s in everyone’s best interest that this be the dynamic in the future.
Ditto, I have experienced the same, even in the US. I do not hand my card to the server, I will get up and walk with them to the terminal if need be…
🤔
Can’t wait for this to be standard in the US. After spending a good while in Europe and then coming back, it’s so strange and inconvenient. It’s extra steps, extra insecurity, and extra time.
The Exxon 3 percent cash back reward has been great. That's about 10 cents a gallon at prices where I live. Add another 3 cents off a gallon with the Exxon Mobil rewards program. I can add another 1-cent discount by linking my AARP account (old man alert) for a total of about 14 cents a gallon. I've noticed that more merchants are offering a pay with Apple card option online,. I'm completely satisfied with the Apple card.
I love how it is inconceivable to get up from the table and pay with your phone instead of handing your phone to the waiter. No hate, I’m sure it might be a cultural thing or something but I’ve gotten up to pay before with my phone or with debit cards and it has never been an issue. I definitely wouldn’t hand my phone to someone for them to take it though, that seems way more crazy to me than just getting up 😅
I agree. I'm more than OK with asking the server if I can walk with them to the machine to tap my phone. Alot of restaurants now have the portable credit card machine too.
It’s not that it’s inconceivable, it’s that US restaurants often have the card reader in locations not accessible to customers such as the kitchen, the back of the restaurant or behind the bar counter. That makes it difficult or impossible to walk up to pay. Not to mention that it makes you look weird.
i only use apple pay..the only time i touch my physical card is when i forget the numbers…so the prospect of earning 2% back when using apple pay is what caught my interest . what else should i consider ?
it's one of my favorite cards also. I tell everybody about it. I've had it for almost a year, I've gotten 2 generous increases and the cashback is great.
What’s your apr?
@@PAINT_WET 23%
How long you had to wait for a increase
@@marciahall8986 I waited 4 months for each of my increases. As long as you have been using the card and keeping your balance low you shouldn’t have a problem doing it every 4 months. If you barley use it and have a high balance then It might not work.
Would be my main card… but they don’t integrate with YNAB or Mint so budgeting with it is a pain, so it is a special use card for me.
I actually have mine integrated with Mint. Not sure about YNAB.
Also Rocket Money has devised a nifty workaround to integrate Apple Card. It’s not perfect, but it works.
Not for avid travelers. We specifically collect our points not for cash back but for redeeming flights which is a lot cheaper than paying for it. IE. a return biz class trip to Asia cost $5k-$10k. With point transfers, you could get it for less than 200k points which if you get cash back, it's equal to < $2k.
It's very easy to go with your sever to the payment terminal to use the apple pay. I do it all the time at sit-down restaurants.
love the ipod in the background shot haha nice
I got one last year and didn’t notice at first that I was earning it. Apple Cash just popped up one day and I thought, oh, what a nice tool. But then, my amount got noticeably large. I guess I didn’t really pay attention how much I was earning where. Now I think I should start using it more.
A bit confused about when you say the 2% with Apple Pay is superior to the double cash. Love the video great points, but if you pay your card off in full anyways you’ll get the 2% no problem. In my opinion, that’s a better condition because it’s 2% in your apple wallet or with the physical card vs 1% with the physical Apple Card and 2% if you can use Apple Pay. Great video!
He’s only saying is superior because you get the full 2% right away instead getting 1% now and 1% later. Both are great just a waiting game on one
*Which apple card firmware are you on?*
This is a really good card to have as your first card. I do wish they did give you more when you were at restaurant. Also I kinda wish they changed the monthly payment
How do you get Daily Cash bonus categories? I have an Apple Card but I wasn't able to locate the lifetime earnings or bonus categories.
Love the review 🎉
Does the 3% count towards App Store purchases? And how about in-app purchases?
Yes
Finally this video
Great thanks
Ill take that as a compliment lol
Some restaurants are starting to have handheld tap to pay but I typically use my chase sapphire reserve when dining though for my 3 points per dollar
I really wish they’d launch this in the UK. It’s baffling that they haven’t yet.
Yeah, its because of the banks.
US interbank merchant fees are far higher, so they couldn’t offer the same deals.
Yes we don’t have it here. But I wouldn’t use it. My pension fund buys shares in AUS banks, so why would I undercut them? In same logic I don’t use Apple Pay, this is bleeding a margin to a foreign nation
I wish they would bring it to Canada as well
We’re all gonna die because we NEED an Apple Card now.
Great video. I use my Apple card exclusively for paying off Apple products, but now I am thinking I should use it more 🤔
I did not even know about these benefits… I just liked the titanium card. Awesome.
I had my Apple Card since May 2022 and I love it!!
The wallet app with Apple Card is so good! I wish Apple Card would have a few more perks. I suppose 1 quart per though is if you wanted to do Apple Care with your product you can do that over the length of time your financing that product instead of either the monthly charge until canceled or the two years all upfront
😊
is it a good first credit card?
I have and enjoy the Apple Card too. It is so easy to use and manage.
Thanks for the video, I haven’t used my Apple Card since I. Got it in Oct 2020. I’m going to start using it.
The way I stay on top of my payments is by letting the cash back feature build and just use that to pay my card off and I never worry about interest
You must be spending tons of money on the apple card to let the cash back feature pay off the card since your only getting 1-2% cash back
So…you’re somehow using at most 2% of your monthly purchases to pay off 100% of your monthly purchases? What?
I’ve been using Apple Card since it came out as my primary card, and I just checked my lifetime cash back I’ve earned from it, and while it’s not a small number by any means, it’s not even enough to cover a SINGLE average month’s payment, after nearly 4 years of constant usage.
I’ve never owned it yet what credit score do you need to get approved to bae able to get the card
I’ve been using it a lot since the pandemic since a lot of restaurants in NYC has adopted the European style portable POS tap pay system.
Learned not to keep the white titanium card in a leather wallet in year 1. It will stain the card’s white coating. You CAN exchange your card out through the card interface though.
Recently got it a few days ago and so far it's been pretty good. Been thinking of using it to pay monthly on new iphones since they say no interest. Is there any hidden tricks behind it or is it straight up no apr at all?
whats your credit like/income for approval odds
It's a decent starter card. That's about it.
"...how cool the physical card is..."
* shows a blank white card that resembles Patrick Bateman's business card *
I love the Apple Card, I just wish my available credit was higher. I suspect it'll be raised once I pay off other debts and dramatically decrease my credit utilization.
Same 😂 I was only able to get an S7 and band with mine
@Shawn Sounds like I should work on paying the card in full for the next year to have a better card holder record with them before requesting an increase.
@@shawn7603does requesting an increase affect your credit score? why would you have to wait 3-4 months?
I absolutely love the wallet app. It makes it SO SO easy to pay. Plus the spending tracking is a must have, and how it makes it super easy to see where your money is going. I use it for everything as a college student.
I'm still holding out for the Apple Card Pro.
OG here. Got mine in August of 2019. I like it.
In England when I went. All I used was apple pay. All the restaurants had portable checks
Great video, thanks for the info.
I would have gotten this card but Apple has failed to extend this card to countries outside the U.S.. Even though they trademarked it and apparently were ready to set it up in Canada right before the pandemic, then the pandemic happened and the card was never brought here. We also don’t have Apple Cash in this country despite the fact that Apple Pay is in Canada and its more widely used by shoppers and businesses alike in this country than it is in America when you look at the stats. Very weird how Apple just kind of forgot about us when it looked like the card and Apple Cash was coming here.
During Covid I was able to pay my neighbors for things they did for me like mowing my lawn, etc. I just sent them payments through messenger. That alone became a BIG deal for me.
I have used the Apple Card since it came out and love it.
Same.
I use a set of credit cards depending on what i need to buy; general wells fargo active cash ; 2% and sometimes bonus cash backs. And both chase freedom credit cards; one is for dining 3% and grocery 5% for first year. Both chase credit cards give $200 bonus for spending $500 is 3 months. by FAR a better matrix than the apple credit card for everyday purchases. If i shop @ amazon or wholefoods amazon visa signature 5%.
If they can make it available outside the U.S., I’d definitely get it.
I got the Apple card since September 2022, I agree it’s the best credit card I have. They gave me a low APR 13%. As long as you pay your balance each moth, Apple is paying you to use it.
13% is not low! Doesn't matter what the APR is. You should be paying off your card regardless
Things bad about apple card for those looking for a honest review.
1. Not many sit down restaurants acept apple pay. (even if they do there are cards like CCC that gives 5% with no anual fee).
2. NO welcome bonus (REALLY IMPORTANT).
3. No travel partners. So forget about using this card for flights.
4. And the biggest of all is that there a cards that are just better. The whole goal a credit cards should be have a wide selection for every use to get max value. And 2% flat with no welcome bonus it does not cut it anymore.
this card is perfect for begginers but if you have credit. there are so many options that are just better.
Yes, but it is good to have it in your portfolio.
There are NO better cards when it comes to buying Apple products.
@@soonerborn9073 Wrong, there are better cards to buy at Apple.
@@emanuelsanchez3562 name it then. Don’t forget Daily Cash.
@@soonerborn9073 Any card that has a 3% online purshase. You just buy at Online Apple store.
And actually ANY card is better buying at apple... just because the apple card has NO bonus.
The "have to pay with apple pay" gimmick is rrally bad. That alone sinks the card.
After I got my 1st iPhone, the Card was my next product. Bought the Watch. A few months later I got my wife one too. Kinda sad I leave the titanium card @ home 24/7
I live in Canada so unfortunately I can’t get the Apple Card (which I REALLY want). But if they were to implement it in Canada i’m wondering, is it compatible with the budgeting app Mint?
It is! I use it
Good good. Thank you.
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@hackerwealth
Wow! Great review!! Thank you. 👍 I had no idea there was so much to know and it makes sense as an argument to get/use the card.
In Canada you never give the waiter your card they always bring a hand held machine to your table to take your card info, funny it's not like that in the US.
Apple Card is my go to. 2nd is PRIME…5% back on anything you buy on Amazon.
Great video and Apple Card insights Greg. Thumbs up!
Hello everyone, have found the real legit place to build your credit score get a credit and make some money with your credit card 🎉🎉
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I don’t like this card for the lack of purchase protection and extended warranty. They know that if they offer that on this card people would not buy AppleCare. So if you were to go to Best Buy and buy a TV you do not have any purchase protection or extended warranty on that product. But other than that I like this card but I do think that it competes with the X1 card very well. And I think the X1 card actually beats the Apple Card.
I use the card at restaurants, as several other cards I owned got cc#, expiration date, and 3 digit code copied by the person that takes my card to the back room to swipe. They can write it down or do a fast pic while my card is far from my view. The Apple Card only has my Name and no other information that is usable to that person. Also it keeps those walking by my table while my card is waiting to be picked up from persons with cameras walking behind me as I give my card out.
More restaurants are equiping servers with mobile payment systems. Two of the last three restaurants I've visited have had these. If they don't you can still ask if they have Apple Pay and walk over to the terminal to pay. Admittedly doesn't feel great doing that in a fine dining establishment but to get the 2%....
would you recommend this as a "first" credit card? i've never had a credit card before, and i'm trying to learn more and make decisions to help me build credit.
A good credit card to start off of is a Discover It Secured Credit Card, they also match your cash back on the first year!
@@armandosanjuan-salvatierra4404 thanks!
When will this card come to the UK? I've been waiting for it for so long...
You can get 3% back at not just Apple wallet but *any* mobile wallet with the US Bank altitude reserve. Furthermore, rather than redeeming that cash back for money, you can use your rewards towards travel related purchases, by doing this you can clear them out at an even more favorable rate: 1.5X
That means:
US Bank 1.5 X 3 = 4.5% cash back on everything for not just Apple Pay but any other mobile wallet.
Apple Card 2% back with no possible upside in value.
I definitely needed.
My Dad has had the Apple Card for a little over a year, and the first time we used it was to buy my MacBook in 20222. The card will primarily be used for Apple Purchases and emergencies.
So glad i know this now
I got my Apple Card a Month ago and now use it almost exclusively. I do wish the physical card offered more than 1% because I still run into more retailers who do not have Apple Pay than those that do.
Do you think its a risk of them turning off your card like they disabled AirDrop in China??
Looking forward to getting one in 2032 once it's available in Finland.
I have had my Apple Card since it’s introduction and like it very much. I was surprised you did not mention that you can use your Apple Watch instead of your phone at any terminal. When I go to the grocery store I have my shopping list on my watch and pay with my watch, I never have to get my wallet or phone out of my pocket, couldn’t be easier. All that said, I use my Costco Citi card more than my Apple Card. Citi offers 2% on all purchases, 3% at all restaurants, and 3% or 4% on gas at Costco. I receive a check once a year for my previous years rewards.
Using the Apple Watch does it for me as well. I hardly ever remove my wallet nor phone from pocket because of the watch integration.
The Costco Citi card gives you 2% only on Costco purchases. It’s 3% on restaurants and travel, 4% on all gas (not just at Costco), but it’s only 1% otherwise. So you’d be better off using your Apple Card for anything that’s not higher with the Costco card. The Costco card also only gives you your reward money once a year, in February, and you have to go to Costco and get it in cash. Cash! In 2022!
@@captainslimhe downside of Apple Card in this specific case is that it can’t be used at US costco warehouses because it’s a mastercard.
@@captainslimwhoa, that’s crazy. Even the credit card offered by Costco in Mexico (issued by Citi’s local branch citibanamex, btw) has better rewards: it’s 3% at costco and costco gas, 2% everywhere else. I’m surprised the one in the US is just 1% on most purchases outside costco.
I recently got one and I love how they break down all the purchases, due dates and option to make large Apple purchases on time with no interest.
The Cashback is outstanding! The highest I get from my cards is 1%. Sadly, it's only available in the USA.
This all sounds amazing 😅 but I don’t think that we would be getting the Apple Card any time soon here is South Africa. Apple Fitness Plus is not even available here lol
It has also become one of a fave credit cards because of ease of use, instant cash back credit to Apple Cash, and the installment option to purchase apple products… 👍🏾👍🏾
I've had the Apple Card for a couple of years or so and love it. I love the app especially. Of all my credit cards it has the best and most informative interface by far and the Daily Cash Back is killer. I won't list the many other things I love as you already have but I will say that this will be the one card they will have to "Pry from my cold, dead hands".
If your credit score is lower than 750 and your debt to available credit is less than 75% don’t even bother applying. There’s lotsa good cards out there that can be reasonably had with less than what Apple requires
Love my Apple Card! It's one of Apple's best services in my opinion. The UI is so clean, and nice to use. Also I can not wait for the new Saving Account!
Greg didn't mention the 0% APR installments from the Apple store on many products, or the iPhone Upgrade Program (IUP), which also gives you 3% back on monthly installments.
The card isn't perfect, and I too would like to see more places partner with Apple for 3% back! Likewise there is still many companies that still REFUSE to accept Apple Pay - Walmart, Amazon and a few others...
I believe the reason places do not accept Apple Pay (or tap pay in general) is because the credit card processing companies tend to charge a higher processing fee per transaction versus the conventional method. Not entire sure why that is but I would assume they consider it more risky since the actual card is not present.
Ralph’s
Unfortunately, I don't get approved anytime I try. Good video with good information, so I watched to the end. Just not sure why RUclips wanted me to watch a video about a card I never get approved for. LOL.
I wish the cash back options were better for the Apple Card. 3% for Apple products is nice. However, another option, Paypal Mastercard is 2% for all transactions and 3% when paying using Paypal.
You first move could be to quit using PayPal altogether.
But foreign transaction fee
Do you have to pay taxes during tax time?
When using mine internationally my transactions only work the actual Apple Card as I haven’t found a vender that uses the app
but you didnt say how much did you spend on the card since the time you open it.
2% cash back and 20% interest. Definitely a genius financial strategy. Even if you pay off the balance each month, people tend to spend an additional 20% vs cash or debit. Moreover, 55% of people carry a credit card balance. But go ahead and keep making the credit card companies rich. That being said I do use credit cards, but it seems unwise to glamourize them.
They gotta make money some how🤷♂️. Don’t like it? Don’t use it. Credit is needed with just about everything in life from house to car. Buy what you can afford to pay off in full at the end of the month. If you live by those rules you might just love all the benefits of credit cards. You can’t be mad for something they don’t force you to do.
I’ve had an Apple Card since it first came out, and like you have had an excellent experience. It’s my primary card now due to convenience, cash back, and ease of use.
Great video
Cool but I’m not old enough so going to have to wait a bit longer if I want it. Also kinda a shame that the physical card itself isn’t worth using but still a cool card.