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Apple announces Apple Card credit card

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Re: Apple announces Apple Card credit card

#611

Post by ucha »

dogma1138 wrote: post #510
lol768 wrote: post #438

This is interesting to observe from the UK. - Cashback is generally lower here because interchange fees are regulated/capped to 0.3% for personal credit cards and 0.2% for personal debit cards. Offers of 2% cashback simply won't work outside the US so I'll be curious to see how (if?) they try and expand this globally. - "All of the spending tracking and other information is stored directly on the device, not Apple’s…

I get 2-5% cash back on my American Express Platinum card in the UK... There are higher cash back cards also the cash back is usually capped on a monthly basis rather than on a flat %. So far for this year I have £341.92 cash back on the card. Mind you that this isn’t a new card I had it for 5 years.

Outside of bonus periods, Amex doesn't pay more than 1% in the UK as far as I know...

Re: Apple announces Apple Card credit card

#612

Post by chx »

bakul wrote: post #562
chx wrote: post #511

Earlier quoted context omitted.

This entire field is completely messed up. One of my favorite movies this year is from India, I don't usually see Bollywood movies but Manikarnika rocked. It opened in January and now, it's been out on Amazon Prime since Saturday: https://www.justwatch.com/ca/search?q=manikarnika In Canada. In the USA? https://www.justwatch.com/us/search?q=manikarnika Not so much. This only drives piracy -- it obviously has been ripp…

? It's available on Amazon Prime in the US. In Hindi, Tamil 7 Telugu. With English subtitles. Smart TVs these days allow Amazon Prime so why would try Chromecasting from your computer?

Is it? Justwatch doesn't find it. That's odd.

Re: Apple announces Apple Card credit card

#613

Post by myrandomcomment »

miguelrochefort wrote: post #563
photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

Americans don't realize how good they have it. A few years ago, I made a list of over 100 things that are available/possible in the US but not in Canada. It almost made me feel like Canada was a third world country. I'm sure I could find it. Here are some examples I can remember: - Amazon Prime - Amazon selection and prices - Amazon Dash - Amazon groceries - Amazon third-party selling - Free shipping in most online s…

I would add the one thing we are missing is the BBC, iPlayer, etc. Hey BBC I would PAY for access (already do with a proxy).

Re: Apple announces Apple Card credit card

#614

Post by siquick »

miguelrochefort wrote: post #563
photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

Americans don't realize how good they have it. A few years ago, I made a list of over 100 things that are available/possible in the US but not in Canada. It almost made me feel like Canada was a third world country. I'm sure I could find it. Here are some examples I can remember: - Amazon Prime - Amazon selection and prices - Amazon Dash - Amazon groceries - Amazon third-party selling - Free shipping in most online s…

I'd rather miss out on all of them and have affordable healthcare for all.

Re: Apple announces Apple Card credit card

#615

Post by oliyoung »

lol768 wrote: post #438

This is interesting to observe from the UK. - Cashback is generally lower here because interchange fees are regulated/capped to 0.3% for personal credit cards and 0.2% for personal debit cards. Offers of 2% cashback simply won't work outside the US so I'll be curious to see how (if?) they try and expand this globally. - "All of the spending tracking and other information is stored directly on the device, not Apple’s…

> Cashback is generally lower here because interchange fees are regulated/capped to 0.3% for personal credit cards and 0.2% for personal debit cards. Offers of 2% cashback simply won't work outside the US so I'll be curious to see how (if?) they try and expand this globally.

This is also the reason that the bigger banks in Australia dragged their feet on ApplePay, there's little to no margin on those fees that Apple taking more made it untenable for them to support it here, until they did.

Re: Apple announces Apple Card credit card

#616

Post by elif »

miguelrochefort wrote: post #563
photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

Americans don't realize how good they have it. A few years ago, I made a list of over 100 things that are available/possible in the US but not in Canada. It almost made me feel like Canada was a third world country. I'm sure I could find it. Here are some examples I can remember: - Amazon Prime - Amazon selection and prices - Amazon Dash - Amazon groceries - Amazon third-party selling - Free shipping in most online s…

You are correct that many do not appreciate how good US citizens have it. From an self-interest perspective, all of those things are wonderful, like magical candy, who wouldn't want them.

From a cultural diversity perspective, the spread of american monoculture can become depressing.

From the perspective of trying to reduce climate impact to manageable levels, the amount of services you list which make it extremely easy to forget the majority of externalities in daily decision-making cost can be daunting.

From a political perspective, the success of US narrative-based, media-driven discourse represents a large impediment to actual democracy.

From an economic perspective, it can be depressing to know that these services you list exist in a bubble built on top of terrible social support, an exhausting over-work culture, wealth inequality, disgusting homeless and prison rates, a perpetual war machine, and a debt-based currency.

pizza and beer are way too expensive in Canada though, we agree there.

Re: Apple announces Apple Card credit card

#617

Post by _ugfj »

mstade wrote: post #551
chx wrote: post #511

Earlier quoted context omitted.

This entire field is completely messed up. One of my favorite movies this year is from India, I don't usually see Bollywood movies but Manikarnika rocked. It opened in January and now, it's been out on Amazon Prime since Saturday: https://www.justwatch.com/ca/search?q=manikarnika In Canada. In the USA? https://www.justwatch.com/us/search?q=manikarnika Not so much. This only drives piracy -- it obviously has been ripp…

Sports is even worse, wanna watch the game for your favorite sport? Gotta have that one special subscription! That shit thrives on exclusivity deals. (Super Bowl ads, anyone?) When I lived in the UK I signed up for an out-of-market subscription for NHL, it was something like $50 and I could watch any game from any broadcast (they always do a home and away broadcast) and they’d block out most of the ads because it was…

> I paid for it, but still had to jump through hoops to watch it. What I time to be alive.

When I travel in the EU, several sites refuse to show because of GDPR. My favorite paid porn site doesn't even explain anything just goes to an "under maintenance" page. I can't buy a cinema ticket for the time when I'll be home because the purchase page simply doesn't load. All of this goes away by SSH'ing to my home and using the OpenSSH SOCKS proxy. Or by using a VPN.

Re: Apple announces Apple Card credit card

#618

Post by amluto »

photonios wrote: post #449

I got all excited and then realized that almost none of the new services that were announced will offer me anything as a European. Apple Card most likely won't be coming to Europe any time soon. The streaming service is also not likely to come to Europe as it includes US-only services such as Hulu and Amazon Prime. I am aware that this is a bit of a 1st world problem, but all of these services being US-only can be re…

I would assume that Apple Card isn’t coming to Europe because Europe doesn’t permit credit cards to charge merchants the insane fees that fund rewards cards in the US.

(I bet that if regulations changes and merchants started passing on fees in a transparent manner to customers, then rewards cards would go away in the US. How exciting would 2% back be if you also paid an extra 2% directly to each merchant for the privilege of using the cash back card?)

Re: Apple announces Apple Card credit card

#619

Post by currymj »

amluto wrote: post #376

This sounds like a mediocre credit card (2% back but only with Apple Pay — if you’re okay with cash back on only some transactions, there are much better cards) with some benefit in the form of a nice experience. I guess that, if Apple’s marketing power can sell a ton of these, there’s considerable upside for them, but it doesn’t sound like a truly impressive innovation.

People who get seriously into optimizing credit card rewards won't go for it. But that's a niche audience. For me, I'm basically indifferent between all credit cards in terms of rewards, but the promise of stronger privacy and not having my transaction history sold is very attractive.

Re: Apple announces Apple Card credit card

#620

Post by astura »

Charybdis wrote: post #527
astura wrote: post #410

Earlier quoted context omitted.

Fidelity Visa is 2% on everything, no cap, no annual fee. Citi DoubleCash is 2% on everything, dunno if there's a cap, no annual fee. (you have to redeem into a bank account, not as statement credit, to get the full 2%) USAA Limitless is 2.5% cash back on everything, no cap. (military only, no longer available), no annual fee. If you have enough cash invested with Merrill Edge ($100,000, including IRAs) the Bank of A…

The 2.5% cash back USAA Limitless card is not available for new applicants, but still works for existing holders. It is excellent. No international transaction fees, good exchange rates, works great with Apple Pay. If it ever becomes available for new applicants again, I recommend applying for it. Where else can you get risk-free instant 2.5% ROI? That's comparable to current rates for 1-year Certificates of Deposit.

Yeah, I snagged it when it was available in my state.

It was labeled as an "online-only pilot" and it was rolled out state-by-state, though I'm not sure all 50 were ever all covered. Then they took away some states and then discontinued it completely. Guess it really was just a pilot program. Was available for maybe around a year?

Best part of the card is that you can redeem any amount of cash (no minimum) and you can redeem it right away, even before the statement closes.

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