Apple Card launches today for all US customers

Post by js2 » Wed, Aug 21, 2019, 1:56 AM UTC

tidepod12 wrote: post #53

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…

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 percent…

Post by [deleted] » Wed, Aug 21, 2019, 3:13 AM UTC

guessmyname wrote: post #59

twiceaday wrote: post #58

Earlier quoted context omitted.

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...

Post by Rebelgecko » Wed, Aug 21, 2019, 4:05 AM UTC

Larrikin wrote: post #51

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.

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 everywher…

Post by js2 » Wed, Aug 21, 2019, 4:37 AM UTC

Rebelgecko wrote: post #65

js2 wrote: post #52

Earlier quoted context omitted.

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.

If you're not against another card, you can get 1.25 cpp for Amex points when you cash out with the Schwab. Still not as good as booking flights or hotels, but better and easier than liquidating gift cards.

Post by danillonunes » Wed, Aug 21, 2019, 6:09 AM UTC

ceejayoz wrote: post #27

adamredwoods wrote: post #12

What I found interesting: - No card number - "At Apple, we firmly believe in your right to privacy. That’s why we created a unique architecture for Apple Card that generates things like your transaction history and spending summaries right in the Wallet app on your iPhone. Of course, Goldman Sachs will use your data to operate Apple Card. But they will never share or sell your data to third parties for marketing or a…

There is a card number, it's just not printed on the card. You can access it via the Wallet app on the connected phone.