Apple Card Review 2021 - How is Apple Credit Card Two Years In?
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- Опубликовано: 17 сен 2024
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Adam! I am stuck at the $250 credit limit. Had the card 6 months and tried to climb the "Reconsideration line" but they don't have one. The third supervisor I spoke to just said we can't manually evaluate. What do I do? I have pedal 800$ limit and credit one $300 limit....Kohls and target 400$ limits. Should I close? I cant use more than $20 without it really affecting my credit utilization. Thank you......GO GUARDIANS??????
Thx Adam...Love your stuff!
No reason to close it, will just need to be patient. You have a lot of credit lines with low limits so i would not get any more cards until the limits start to go up on some of what you already have.
@@ScreensAndStreams thank you for the advice, it’s hard to be patient but you are correct, as usual haha appreciate you taking the time to respond and helping me out.
In the garden I go………
@@ScreensAndStreams there the only credit card that’s not doing cash advances most credit cards do cash advances Apple Card does not
@@ScreensAndStreams there the only credit card that’s not doing cash advances most credit cards do cash advances Apple Card does not
All credit card applications need to be like this. Soft pulls to let you know if denied/approved, and hard pull only if you accept the offer.
No I got hard pulled on a card from target and I didn’t get approved
@@isaiahrobles5535 Huh?
@@isaiahrobles5535 Read what the original comment says again.....
@@isaiahrobles5535 No you would rather get hard pulls regardless of whether or not your application is approved?
Yeah, places I know do this Apple, Discover, Capital One, Military Star. None of them hard pulled until AFTER I accepted the cards. I agree this needs to be industry standard and honestly I think it’s going that way.
The 3% for Apple purchases is essential. The interest-free monthly installments for Apple products is nice as well. No need to pay for an iPhone through the wireless carrier anymore
Guys just use the card with Apple Pay/Apple Wallet ( almost every retailer uses it ) and get 2%, if you buying Apple products heck use it with a plan you can pay confortable with NO interest rate plus get your 3% and move on ! Is it the best card ? Heck no but is better than plenty cards out here. Just keep it below 30% Utilization and pay in FULL 3-4 days before your due date. I’m a banker so I know what I wrote. You’re welcome.
I got approved for this card about 3months ago. It's one of my favorite cards.
I got approved on my birthday July 7 and so far I love the card!! Not only was I approved, they gave me a $4,000 limit. I have been with Capital One for over two years and I always make my payments on time. They denied me for the Savor card!! That' BS!! I made a small purchase already with my Apple card at ACE Hardware. I used Apple Wallet and it was cool.
Just use the card for food and or gas and then pay it off as soon as possible before the due date and keep your statements at zero and it’ll raise your credit score. That’s really the only reason to use this card.
It’s my everyday credit card. I use Apple Pay often, however. It’s the transparency I love as well as the info available to you through the wallet app. Good stuff
I don’t know if this changed since you made the video but you can definitely transfer the money on your Apple Cash card to your bank account. You can immediately transfer it to your debit card for a fee or it takes 1-3 days to get to your checking account for no fee. You have to have your bank linked with the card though.
Youre looking at this with the glass is half empty pov, yes the cash back is only 1% when using the physical card but if you are in a “building credit” mode there are cards that give no cash back at all…so atleast you get something utilizing this option.
I actually don’t buy expensive Apple products on my Apple Card due to purchase protection. But I like being able to pick up accessories (like watch bands, cases, etc) and pay those off over a year
Love this card! It’s my second credit card ever. I opened it mid July and got $200 cashback already 🤯
How ?
@@carlossantamaria7967 probably because they spent over 10k on it 😂
@@isiahdeadpool5907 hell nah 😂
@@carlossantamaria7967 😂😂😂
I’ve had it for 8 months it’s good my fico started at 0 at the beginning of 2021 now I’m at a 750 got approved for the card around 640 so it has helped me increase my credit score and these are fico 8 scores I’m talking about just to clarify not vantage
Failed to mention that there is no fees for international charges. I used this card in the UK where Apple Pay is widely used and got 3% back and good exchange rates.
He mentioned it
Credit score required and what bureau they pull from?,
@@neverfake983 transunion and no credit check unless you want to accept the offer.
@@keenobservations3050 score required?
@@neverfake983 mine is 669 got approved today $4500
I find Apple Pay has expand significantly this year. I rarely take my wallet out anymore and it is big internationally as well. Went to Iceland for a week and all the campgrounds take Apple Pay (that I stayed at). For me, it is basically an upgrade to the Double Cash as I have cards that cover the rest. The physical card stays in my backpack to travel as an emergency back up
I finally got it. But only got it because I'm a fan of Apple. So I would only put something I buy from Apple then pay it off as soon as it clears. Just to keep it open.
nah dude, use the 0% interest payment plan. If you buy an apple product with it they will let you put it on a payment plan for free. Why spend $2k up front when you can pay it back over 2 or 3 years at 0%? Basically a free loan and who doesn't like free money? Keep your money in your pocket for as long as possible.
I don’t agree. Just buy stuff you have the money for. People get into trouble when they take out “loans”
I use my Apple Pay everywhere. I find that I never touch the physical card and find myself that i only run into a place without Apple Pay once every 3 weeks or so. Ask the store you’d be surprised. Most places do have Apple Pay
You can actually transfer your Apple Cash into your bank account
My new sport is collecting CCs. Got the card without a hard inquiry at ( 10-G) , good deal.Card would of been great back in the 80’s for blow….
Bro what?!
@@TheViltrumOmniMan Ko-ca-eena
I love buying apple products from the site and making upgrades to my devices so this card is perfect for me with the payment plans and getting all the cash back while doing so. Plus the main type of gas I use for my car is Mobile gas so I even get 3% whenever I put gas. Works perfectly for me. 👍🏼
I don't have this card since I never use Apple anything but I have to tip my cap to them for the transparency in their application process. I wish more companies would do that!
not just apple pay...its wherever they have the nfc (touchless) payments. i am running into more gas stations that have the nfc at the pump. that's 2% back. nfc is at about 90% of the retails i daily. some of the restaurants are updating to pay at the table...nfc 2% back. when they dont, i ask the waiter if they do the nfc, about half do, so i use my phone.
The no interest combined with 3% cash back is a reason alone to own it if you buy Apple stuff. Otherwise I agree, it’s not an everyday card at all.
Ngl I’d pay for the ease of use, better ui, and iphone integration so the difference in cash back from this and a another card is basically the value of it. Just preference at that point
true plus if you really want a better cash back you can just apply to another card... good thing credit cards dont limit you into how many you can apply w good credit
Apple cash actually does go back to your bank account it has a transfer to bank option which usually takes 1@2 days to clear
There is also an instant transfer option for a small fee
Love this feature!
Always a pleasure watching your videos.
im not an apple fanboy. but one day i woke up from a nap and the thought of buying an ipad pro was planted in my head. so my goofy self applied for an apple card and bought a dang ipad pro just with the 0% financing. this is the only actual credit card that i carry a balance on but it cool since there is no interest. i dont see my myself using it to make other purchases but good to have just incase
I LOVE my Apple Card!’ It’s my highest credit limit on any card I have ($4,000) I was floored!
Not true, you can transfer the cash back to your bank account… I do it all the time.
Yeah I don’t know why he said that lol
I don’t understand why they haven’t brought this to the UK yet. 99% of businesses in the UK with physical locations take Apple Pay
Ace review as always Adam.
3 yrs later I’m impressed. As an Apple household it makes sense always using Apple Store & TV. I’m impressed as well to find how many new places take Apple Pay since 2020 in Los Angeles at least, even Starbucks (they even take Amex now). Very few places I go don’t take it. Walmart doesn’t yet.
@Strictly Credit Cards . You didn't mention the security feature which allows you to create a random CVV code monthly. Plus the fact that you can change the card number any time because there is no card number printed on the card.
That is the feature that I got it for. Everything else was just an added perk and I still ended up using those added perks as well.
It’s a great card if you like Apple . You can transfer you Apple Cash to your bank acct . Most places I go to take the card via phone . They are strict when comes to approval. You still have to have decent credit. .
I have a few different credit cards and a great credit score at age 21. I do use Apple Pay, a lot at work. But I mainly got it cause it’s a bad ass simplistic card🤷♂️
Although there is no interest for up to 24mos maxing the card out could be harmful to your credit score. Because the reporting utilization amount would be high.
Depends on the daily average balance. If you max it and pay it off in a few days it’s fine. It’s when you carry high balances forever they think you’re living on credit card debt
I think you are wrong about Apple Pay. It is accepted almost everywhere now. Walmart is a noticeable exception because they want you to use Walmart’s own system. I use Apple Pay almost everywhere I go. Even small mom and pop shops.
I think the only way you can use the Apple card at Walmart is by adding it in the Walmart Pay app as a form of payment, but you have to go fishing around for the card number, the expiration date and the 3 numbers on the back of the card
@@Th33Vultur3 maybe. I hate Walmart and would never give them any of my information so…
I can’t use it at Costo 🤦🏻♀️
@@mommagoat8324 I use Apple Pay all the time at Costco and have for a few years
Is apply pay good or not
I only got the Apple Card because it’s pretty.
The physical Apple card in itself is only good for putting it on display on your office mantel or Desk.
Seriously like why make an attractive card when there is no reason to ever pull it out over another credit card? Its just to promote Apple Pay
You can actually transfer your cash back earned from this card from Apple Cash into your bank account at any time.
I basically got it because it looks cool, and I really like the apple products.
I’m glad you stated it’s only a soft pull unless approved and you get the card. Too many people making comments stating no hard pull.
I am in the credit building process and I have credit card that don’t even give any type of rewards so the few rewards that it offers is great for beginner. It’s hard to find a local store that doesn’t use Apple Pay and I use it everywhere from my Apple Watch or phone. I was also apart of the Apple Card family to help building credit and it turns out that within a few months I was able to apply for my own card with a good credit limit. I added a couple friends to my card to help them also
I am in the credit building process and I have credit card that don’t even give any type of rewards so the few rewards that it offers is great for beginner. It’s hard to find a local store that doesn’t use Apple Pay and I use it everywhere from my Apple Watch or phone. I was also apart of the Apple Card family to help building credit and it turns out that within a few months I was able to apply for my own card with a good credit limit. I added my family to this card to help them also
Your An amazing friend!
You can transfer your Apple Cash to your bank account by the way. It’s not stuck on your iPhone
You are correct, not sure what i was thinking.
It sounds like the pros to using this cards depend on how you intend to use it. I would only use it to buy apple products. Therefore, it wouldn't be disappointing for me. I don't need it for credit as I have excellent credit already but I would be able to finance my apple products interest free. I have another credit card that I use for everything that gives great rewards so I will continue using that card as is. I think it all depends on what you need to use this card for.
True
100%
Apple Pay is basically available everywhere. Just saying. Sure it’s not the best card but I already use Apple Pay everywhere
Apple pay is absolutly not available everywhere.
@@haigat true. It’s available everywhere except like 2 places
2% on the physical card is a must for me; otherwise, I just use it to finance Apple products; It can’t be my daily driver in my wallet.
What is your main credit card if you mind me asking? Looking for a good main one
@@JustenEdits Amex Blue Cash Preferred
Got a car at the Chevy dealer with Apple Pay and got 3% cash back from a 46k car
Teach me your ways!!!!!!!!
@@christianmartinez8700 some car dealers accept credit cards for the initial down payment or even the whole purchase of a car if your have a very high limit on your credit card.
Note that you can link a bank account and transfer money from Apple Cash in Wallet (where your Daily Cash goes) in addition to paying people/paying the Apple Card (in the video you said that money won’t get deposited into a bank account, which isn’t entirely true). It functions similarly to a Venmo or PayPal account.
Yes I got that wrong. a few other people have also let me know 🙂
You can deposit the cash back into a checking or savings account.
Yep had this wrong, have had a lot of comments letting me know 🙂
My experience is that most places take Apple pay so I rarely need a physical card. May be different in other areas.
I’m not sure where you live, but in New York (Manhattan), I am yet to walk into a store or restaurant that does not take Apple Pay. I haven’t used cash or a physical card in a long long time.
Thank you for this video, I am just turning 18 and I've heard and seen a little about the Apple card and this video really helped me learn everything I really need to know
I got the path to approval invite and got accepted for the card like 10 days ago and love it so far 😄
The very bad is this. I had to close my Apple card. It took 3 business days for the payment to hit my bank. They said that it was applied to my account but the payment was sitting in limbo. When you pay now , the payment sits for 3 days and you don't actually know your bank balance until it goes through. It's not for me.
Same problem I’m having my payment literally sat for 6 days. And i had to contact customer service. I’m going to cancel it
@@dosesofserenity LOL Seriously? You must be new to credit..Most institutions require 24 - 36 hours to process payments and withdraw the funds from your account. You have alot to learn.
Not sure what he’s talking about everywhere I go accepts Apple Pay, it would be rare that a place doesn’t
I’m a server at two separate restaurants, neither of which accept Apple Pay. Like 90% of the restaurants in my city don’t accept Apple Pay.
Depends where you live
So true
I actually can't think of a single location that I frequent that does not accept Apple Pay. I use it daily for pretty much everything. Granted, I don't travel for work so I'm a speaking locally, but still, for me, it's works.
I’m in a major city outside of Dallas and no Walmart around here takes Apple Pay. Dollar tree, plenty of big places don’t.
@@justadude1477 That's nuts! I'm in a small town in the Northeast and even the tiny mom & pop shops accept it. It really is everywhere. If it wasn't for my license, I'd have zero need for a wallet. Wouldn't think twice about it.
@@JeffCD77 yeah, I was surprised myself, cause i got the discover card and was looking to use the wallet sooner. But nope. We’re a wealthy town town. North Dallas.
@@justadude1477 At least you can still use the Discover and still get the cash back bonus'. With the Apple Card, you NEED to use Apple Pay in order to gain the 2% cash back. But again, in my case, it works great. It's definitely not a card for everyone.
@@JeffCD77 yeah. Is this instance, the cash back is through PayPal. So it’s even harder to do lol
Adam,
Always love your videos. You always bring the real honest reviews of this card or that card. My wife got this card and she is on the Apple eco system. I also got it and I am on Android I did my application online because I was buying my wife her Mac Book Air. I figured I had the money anyway and 3 percent back why not.. it isn't that great of a card outside the iPhone apple eco system. You would think that they would make it 2 percent cash back on physical card and 3 percent apple pay. 4 percent for the Apple products. Then I could say it could be an everyday card. There are rumors that a refresh and a new more prestigious apple card is coming out.
Thanks!
Thanks! Sorry so long to show the gratitude, RUclips makes it a little tough to see when these tips come in from viewers. Much appreciated.
I use it as a card for positive payment history. My everyday is still Wells Fargo Propel, nothing beats it that I know of yet.
Input on the discover it card ?
@@michaelsmtih9784 I have that one as well, I do not use it near as much. It is a rotating 5% deal, so you have to plan you purchases according to that calendar they provide. Like now through March it is 5% back on Grocery stores (not walmart and target) and gym memberships.
I got it because I live in NY and I Apple Pay is here already. I can’t imagine it being used in a more suburban or rural area
So I got the Apple Card as my first credit card. And it’s been awesome. I tried getting a credit card from a regular bank chase and Bank of America unfortunately I wasn’t eligible for any even the basics because I didn’t have a line of credit which to me is so confusing because if you’ve never had a card how does one improve their credit score? Thankfully due to the Apple Card I’ve raised my credit score from 0 to 750 in about a year. It’s been great
@@unboxty if you have no credit history you see either a 0 or 4 as your score.
Keep it up
Thank you for this breakdown! You have me thinking about a lot of stuff now 🤔
very very good review. I watched a video about a hack to get the apple card on the soft pull. I was seriously considering following the steps he gave to get it only on the soft pull but after watching your video I'm not so sure the hard pull will not eventually happen.
They offered me a pretty nice limit so I'm going to get it just to increase my available credit, but most likely never use it for its lack of rewards.
More or Less how much did they give you?
@@XIFRE305 6k
I love it. Had it since it came out. Hell, they increased my limit 13k last week. No complaints here =)
Was the increase automatic or did you have to request it?
@@VincentPascual - My first one was automatic, that was like 6 months of having the card, and the rest is from requesting. I started at $2,500.
How often do you ask for a credit limit increase & what’s your strategy when asking ? I started at 10K 6 months ago and would like to ask for one altho I owe them $820 more for my MacBook right now. Have you ever got a increase with a balance ?
@@kingnippanderica - I’ve requested 3-4 months. I always try it at 90 or 91 days from my last request. Started at $2,500 and now $13k credit limit.
@@ImStillStealingSteel niceeeee I’ve had it 6 months now ... Have you ever applied for increase with a balance ? My balance right now is $108.19 what would you do ?
I just have it because its a metal card instead of plastic lol
Exactly 😂 I’m the same
I can’t lie that’s also why I got it 🤣
Guilty.
Great video 1 of my favorite cards
Apple Pay is secure you can’t steal a number off it or use it without permission (fraud). So it has higher cash back due to lower loss for Apple/GS
Dude! Apple Pay is literally everywhere
Walmart doesn’t
Where do you live?
@@ScreensAndStreams Chicago. It’s literally everywhere
@@jaythawriter4940 agreed. Houston here. It’s hard to find a place where Apple Pay isn’t accepted. Not sure what he’s talking about
In New York City every store including local store has Apple Pay.
They want you to buy a products and keep buying them. That’s why you getting rewarded for using Apple Pay.
I just got the card because of how it looks lol plus I get lots of compliments
Are u serious
@@itzdcx7991 😂😂😂😂😂😂👍🏻
@Shawn S same here!!! Its a good card.
Crazy that in the USA physical stores dont take apple pay when in Estonia you can pay with apple pay EVERYWHERE. Literally everywhere.
Really depends on the area, where I’m from in the US Apple Pay is everywhere
@@Cooray I hear ya always use Apple Pay that’s why I’m looking into the card plus interested in financing a new laptop for school
Thank you for an honest review
I use Apple Pay almost everywhere 😭
Very informational thank you
There really is a channel for everything these days isn't there.
Thank you for the information.
Stopped using my Costco CC. Can only redeem every 12 months. Forget it. I use another 2% back card without that stupid requirement.
so i guess I had a "thin" file, no credit used in 25+ years.... so never would get approved for any if i tried... but I got approved here for $250.( I NEVER carry a balance)... then a while later(6 months??) i texted them asking if increases to credit limits were automatic or if i had to ask, they said I had to ask for them... and did it then, and got it raised to $500. and another 6 months or more, i asked again and it doubled again to $1000. .... then I never asked again.... and 4? months later it automatically increased to $1500...... so i guess I am happy, actually am building a credit score now... even though I despise carrying a balance....
Always pay your statement balance in full!!
Maybe it’s cuz I live in NYC but they accept apple pay everywhere here
Nearly everywhere in Michigan
Everywhere but Ralphs for the most part here in California
NYC sucks
Pretty much everywhere in Chicago (+suburbs) and Minneapolis as well
Same in Florida 🤷🏾♂️
Only good about Apple Card is the look of the card and if you buy a lot from Apple, you can get no interest for 6,12 or 24 months
Amazon also does this.. and they sell everything.
I still don't understand why we don't have Apple Card in UK????? Apple, WHY???
For at least the last 5 years I’ve never been somewhere that doesn’t have Apple Pay
walmart
There are plenty of places that done. Tap to pay (NFC) isn’t the same as Apple Pay.
Thanks to covid i think apple pay has stepped up the game in being in most stores now a days
I acidity have a hard time finding a place that DOESN'T have Apple pay. It makes me use this card way more than any other for my everything else spend
What about purchasing from the App Store? Like subscriptions or in app purchases . Will we receive cash back rewards ?
Yes, the 3% cash back.
Amazon prime card is way better. Most of the time they have better deals on apple product and is 5% cash back.
Apple Pay is literally everywhere
That's what I was saying, where I live about 95% of places take Apple pay
Amazon, Walmart, and a lot of gas stations don’t take Apple Pay. For me that’s like 80% of purchases so Apple Pay being in 95% of locations doesn’t make a difference because the few places I actually shop at don’t support it.
I work at Amazon but I use either my discover or Amex card with Amazon and sometimes I’m able to get my 10% employee discount. Only issue is, item has to be shipped and sold by Amazon to get the discount which surprisingly not a lot of things on Amazon are.
@@nathaniel6286 yeah, Walmart is the dumbest holdout imo
You said we can’t get cash back into our bank account ? If so that’s WRONG we definitely can transfer the funds to our bank account that’s a FACT !
You're not the first person to tell me that is wrong, not sure how i screwed it up, i guess i was thinking of another card.
@@ScreensAndStreams yeah I just noticed once I started scrolling thru comments but it’s ALRIGHT TIGHTEN UP 👌🏾😎
Great review.
Best channel hands down
I believe that 85% number.
I would say 85% is accurate. People just don’t know what to look for. For example with restaurants, I just ask to use it and they walk me over to a terminal to tap.
Many major retailers like Walmart and Kroger don’t accept mobile pay except through their special apps. And then those don’t count as an Apple Pay purchase. Depends on where you live and shop.
@@sincere355 Many? That would be two.
Every other major retailer I go to accepts Apple Pay. As for small businesses I want to say the number is almost 100% now!
@@TransitAndTeslas I have a card that gives bonuses if I use Apple or Samsung Pay and I can't use it at any home improvement stores (Lowes, Menards, or Home Depot) , Kroger, Walmart, Sam's Club, all gas stations here and the majority of restaurants. So for me I'm better with a card that gives me 2x without having to use mobile wallet since it doesn't work a lot of places here yet. If it works most places you shop that's great! Depends on the situation.
You can transfer your cash back - back to you’re bank account.
What you mean punish you?? Still you getting 1%. You not supposed to get nothing back from cc lol
I watched this video relatively quickly but it seems security measures like the dynamic card numbers aren’t treated at all which is in my view quite an advantage over conventional credit cards.
I with you could apply for this outside the US
Here in Boston even the bodegas accept apple pay
Apple Credit card is by far the absolute worst credit card I’ve ever had in my life and I just paid it off so I can get rid of it. Absolutely HORRIBLE.
Explanation why was it so horrible?
@Shawn Also no interest rate if you're paying it in full.
What are you talking about? It’s just as good as any other card and you can look at your spending and everything about it right on your phone. It’s a great card.