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Apple Card launches today for all US customers

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Re: Apple Card launches today for all US customers

#41

Post by js2 »

suninwinter wrote: post #25
js2 wrote: post #14

Earlier quoted context omitted.

Agreed the application process was slick. However, I have a fraud alert so I was expecting a phone call and didn’t get one. I guess I’m okay with that since I had to provide photos of the front and back of my license. I was less impressed when I wanted to switch to the card for my Apple purchased to get 3% back on my iCloud subscription and I had to manually go into the Wallet app to get the card number, expiration d…

There’s a “make default at Apple” button in the card settings that I was able to use to accomplish that without copy/pasting. Weird they didn’t just ask during the setup process.

Odd, I was given an option to make it the default card in my Wallet, but I don’t recall an option to make it the payment method for my Apple ID.

I also don’t see anything magical here about how to add it to my Apple ID:

https://support.apple.com/en-us/HT209225

Re: Apple Card launches today for all US customers

#42

Post by t3rabytes »

js2 wrote: post #34

This is not a card for people looking to maximize rewards. It’s for Apple users who want decent benefits and no fees, who will mostly use Apple Pay. (Apparently it’s also good for folks establishing a credit history who might not otherwise get approved.) I’ve got 300k points between AmEx and Chase and I recently realized I can’t ever use them when I want to. I don’t want to play all the games of which points can I us…

Just cash out the Amex MR and Chase UR if you don't know what to do with them.

Re: Apple Card launches today for all US customers

#43

Post by reaperducer »

ceejayoz wrote: post #28
lotsofpulp wrote: post #26

Earlier quoted context omitted.

How is any card that can be added to Apple Pay or Android Pay different from any other?

The statements, rewards, paying balances, support (via iMessage), etc. are all built directly into the Wallet app.

Especially the paying of balances.

I've had my Apple Card for a little over a week, and it's great how well the app works.

Paying my bill is two taps and a FaceID authentication. That's it. There is simply no comparison to the process using my other credit card apps.

Apple let's me make multiple payments each day. My Chase card used to allow that, but hasn't for about a year.

Apple lets me pay any day I want. Chase doesn't process payments in weekends. It sometimes credits me for the payment, but it doesn't fully process until Monday. And if I make a payment in a Saturday, I can't make another one on Sunday.

The Apple Card is the most frictionless credit card experience I've had in the 28 years I've had credit cards.

Re: Apple Card launches today for all US customers

#44

Post by reaperducer »

traderjane wrote: post #33

As a privacy product the Apple Card is interesting, but as a financial product the interest rates are high and the rewards boring. All it takes is another bank to say "we will also have a strong and clear privacy agreement with you" and they will match Apple in my mind.

Don't hold your breath waiting for it.

Re: Apple Card launches today for all US customers

#45

Post by xivzgrev »

huy-nguyen wrote: post #35
electic wrote: post #23

Earlier quoted context omitted.

Not to mention the 2% and 3% cash back are for certain categories and there are limits to how much you can get back in a given year with other cards. For example, most cards will allow you to get a 2% cash back up to $6,000 per year. I have yet to find a card that has unlimited 2% cash back on ALL purchases. Apple Card is unlimited 2% back, no category restrictions, as long as you use Apple Pay. That's quite a deal.

Citi double cash gives a flat 2% back for any purchase.

I had double cash until someone skimmed my card and citi didn’t notice. I had to catch it, make a complaint, then sign bullshit forms asking if the following name was mine. It just stumped me how they didn’t catch it - there were purchases being made in different geographies on the same day as I was making purchases elsewhere. I lost total confidence in citi as a trustworthy company after that.

Capital one is way more proactive on catching fraud, so I use their 1.5% quicksilver. Several times they have asked me about potentially fraud purchases. Totally worth it for peace of mind.

I realize that I’m not liable for fraud credit card purchases but it’s still a stressful hassle to catch fraud yourself, challenge purchases, go through the motions and eventually get them dropped months later.

Barclays I use for dining out and travel, have yet to see how they are.

Re: Apple Card launches today for all US customers

#46

Post by grecy »

lunchladydoris wrote: post #4

I can't believe that people are excited for a credit card.

American society is centered around spending money, and the ability to do so - look at the hoop-la around identity theft, credit ratings and the Equifax data breach.

No other developed country has that hoop-la.

The Apple Card is just a new "device" that allows people to spend money, and Americans love that ability, and will continue to worship it.

Re: Apple Card launches today for all US customers

#47

Post by inferiorhuman »

twiceaday wrote: post #29
tidepod12 wrote: post #19

Earlier quoted context omitted.

I had a hearty laugh when I saw a seven minute unboxing video for the Apple Card on the front page of reddit. An unboxing video for a credit card that was somehow stretched into 7 minutes. The video included genius quotes such as "it fits into my wallet" and "it's about the same size as my other credit cards". This is the content that somehow got thousands of upvotes. It's seriously amazing how far the apple fandom h…

Is it your intention to miss-lead or do you not realize that the credit card is made entirely out of Titanium, which is a novel concept and obviously raises questions about weight, size, and look.

You are aware that a variety of consumer credit card companies, including Amex and Chase, currently offer metal credit cards… right?

Re: Apple Card launches today for all US customers

#48

Post by reaperducer »

huy-nguyen wrote: post #35
electic wrote: post #23

Earlier quoted context omitted.

Not to mention the 2% and 3% cash back are for certain categories and there are limits to how much you can get back in a given year with other cards. For example, most cards will allow you to get a 2% cash back up to $6,000 per year. I have yet to find a card that has unlimited 2% cash back on ALL purchases. Apple Card is unlimited 2% back, no category restrictions, as long as you use Apple Pay. That's quite a deal.

Citi double cash gives a flat 2% back for any purchase.

Maybe you have a different Citi card than I do, but there's a cap on the 2% with mine. Also, there's a bunch of fees that the Apple Card doesn't have.

I don't know any big bank card that doesn't have late payment or over limit fees, for example.

Re: Apple Card launches today for all US customers

#49

Post by toomuchtodo »

tyleo wrote: post #38
twiceaday wrote: post #29

Earlier quoted context omitted.

Is it your intention to miss-lead or do you not realize that the credit card is made entirely out of Titanium, which is a novel concept and obviously raises questions about weight, size, and look.

This is, in fact, not a novel concept. Billy McFarland of Fyre Festival fame had previously started a company, Magnesis, which also offered a metal credit card.

Amex Platinum and Centurion cards are currently metal, a bit more dense than the Chase Sapphire Preferred and Reserve cards.

Re: Apple Card launches today for all US customers

#50

Post by electic »

huy-nguyen wrote: post #35
electic wrote: post #23

Earlier quoted context omitted.

Not to mention the 2% and 3% cash back are for certain categories and there are limits to how much you can get back in a given year with other cards. For example, most cards will allow you to get a 2% cash back up to $6,000 per year. I have yet to find a card that has unlimited 2% cash back on ALL purchases. Apple Card is unlimited 2% back, no category restrictions, as long as you use Apple Pay. That's quite a deal.

Citi double cash gives a flat 2% back for any purchase.

The way the Citi Double Cash Card works is you get 1% for every dollar spent and 1% for every dollar paid.

- It is actually 1.98% because when you apply it to a statement credit you are not really paying off the full total. You get a straight 2% back, daily, with Apple Card.

- There is also a redemption minimum with Citi, in this case there needs to be at least $25 dollars in cash back before you can claim it. Apple doesn't have that.

- Citi card has foreign transaction fees. Apple Card does not.

- The rewards "expire" with Citi. Apple's doesn't.

- Citi's rewards are given to you after your first statement is paid off and higher than 25 dollars. Apple's is given daily, and you can do what you want with those cash rewards.

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