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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

#51
post #23

Earlier quoted context omitted.

How are you doing 3%? Rolling rewards? Doesn't seem like there are a lot of 3% cards out there without an annual fee or a set of conditions to try and fulfill. 2% on all Apple Pay purchases is pretty straightforward.

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.

2% back at places that allow NFC payment is a major distinction. All the major credit cards seem to offer some kind of incentive to use Google Pay, Samsung Pay, Apple Pay, NFC, etc.

But I expect these incentives to start to dry up when you can actually use it regularly. I've never been able to use NFC payment to buy a meal at a sit down restaurant or bar, grocery stores and Target are just barely getting it everywhere. Its hard to get excited about 2% on my in store 7-11 purchases.

Samsung already destroyed the worth of their points last year when there was even a slight tick up in retailers. Theres only one fee free card I know of thats even slightly worth getting that offers true unlimited 2%, the Double Cash, and its usually not recommended because people who actually regularly use and research cards because it doesn't offer a bonus.

Re: Apple Card launches today for all US customers

#52
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.

Cash on the AmEx is 1/2c per point. I’m willing to go through the hassle of swapping for gift cards at this point to get 1c per point on 200k points there. I grabbed an AmEx EveryDay so I can cancel the Gold and not lose my points.

I’m cashing out the Chase at 1c per point.

Re: Apple Card launches today for all US customers

#53
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…

I get not wanting to have to "activate" each quarter's deals (though really, it's literally a single button push once every three months...), but I don't get your point on any of the other stuff.

Both AmEx and Chase have multiple cards that earn points that have no annual fees. Both of their point programs can be redeemed for straight cash back (just like the Apple Card, except Chase's offers better cash back percentage). And both can easily be added to Apple/Google Pay and be used just like you will use an Apple Card.

It's not so much criticism of the card as much as it is criticism of people who are for some reason hyped up about it. Like most Apple stuff, there are always a weird group of people obsessing over it and will go to strange lengths to defend it. This is weird, because, as you said, it's just a credit card. It would be less weird if it was at least a good credit card that people were defending, but it's not even that.

Re: Apple Card launches today for all US customers

#54

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.

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

And which ones do it with no fees or linked accounts?

Re: Apple Card launches today for all US customers

#55

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

Especially one with such relatively poor rewards.

Especially one with such relatively poor rewards.

You're in luck! Currently there is no law requiring you to sign up for an Apple Card. Since it doesn't meet your criteria, you can avoid getting it just simply doing absolutely nothing! Problem solved!

However, there are people for whom it does work.

Re: Apple Card launches today for all US customers

#56
I was recently in England. Nearly every payment terminal supports contactless in the cities I visited. I found myself using Apple Pay throughout the trip because it was fast and convenient. Also in restaurants they bring a payment terminal out to your table so you can pay with Apple Pay.

Unfortunately, contactless payment terminals are somewhat more rare in the USA. My local grocery store (Kroger) doesn’t have them.

Re: Apple Card launches today for all US customers

#57

Earlier quoted context omitted.

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

And which ones do it with no fees or linked accounts?

How does an unboxing video show no fees or linked accounts?

Re: Apple Card launches today for all US customers

#58

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.

"novel"? Is it your intention to miss-lead [sic] or do you not realize that metal credit cards have been a thing for decades ? The Chase Sapphire Reserve/Preferred, two of the most popular credit cards in recent years, are metal cards. The Amazon credit card is metal. The AmEx Platinum is a metal card. And this is just a handful of cards among the 22 listed here [1]. 1: https://www.creditcardinsider.com/blog/metal-cr…

That is a cool story about some non-Titanium cards.

Re: Apple Card launches today for all US customers

#59

Earlier quoted context omitted.

"novel"? Is it your intention to miss-lead [sic] or do you not realize that metal credit cards have been a thing for decades ? The Chase Sapphire Reserve/Preferred, two of the most popular credit cards in recent years, are metal cards. The Amazon credit card is metal. The AmEx Platinum is a metal card. And this is just a handful of cards among the 22 listed here [1]. 1: https://www.creditcardinsider.com/blog/metal-cr…

That is a cool story about some non-Titanium cards.

> That is a cool story about some non-Titanium cards.

You may want to read the linked page by the parent commentator a bit better:

Mastercard® Titanium Card™ — https://www.creditcardinsider.com/credit-cards/mastercard-ti...

Re: Apple Card launches today for all US customers

#60

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.

Here is your Titanium card: Mastercard® Titanium Card™ [1]

[1] https://www.creditcardinsider.com/credit-cards/mastercard-ti...

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