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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

#151

Post by tidepod12 »

et2o wrote: post #120
tidepod12 wrote: post #53

Earlier quoted context omitted.

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…

How can you get a better cash back percentage and no fees with Chase?

The Chase Freedom Unlimited is 3% back on all purchases (up to $20k/yr), and if you're willing to play the categories game, the Chase Freedom is 5% back.

Re: Apple Card launches today for all US customers

#152

Post by ghaff »

tidepod12 wrote: post #151
et2o wrote: post #120

Earlier quoted context omitted.

How can you get a better cash back percentage and no fees with Chase?

The Chase Freedom Unlimited is 3% back on all purchases (up to $20k/yr), and if you're willing to play the categories game, the Chase Freedom is 5% back.

Note that Chase Freedom cards have a foreign transaction fee though if that matters to you.

Re: Apple Card launches today for all US customers

#153

Post by astura »

js2 wrote: post #62
tidepod12 wrote: post #53

Earlier quoted context omitted.

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…

When I came to the comments section there was no one hyping the card but already several folks critiquing it. My other comments were directed not at other comparable cards but at folks critiquing the card for not having the best benefits. I only know of two cards offhand that are straight 2% cash back on everything with no annual fee and no gimmicks, the Fidelity Visa Signature which requires a fidelity brokerage acc…

> which requires a fidelity brokerage account

Consider there's no fees or minimums associated with a Fidelity brokerage account and you're already entering a business relationship with Fidelity anyway.

There's also the PayPal Mastercard, which requires a PayPal account.

Re: Apple Card launches today for all US customers

#154

Post by jxcl »

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.

I think that the number that they show you in the app is different from the number on the card. They show you a number that you can enter into websites etc but there is a section for "physical card" that only shows you the last 4 digits. If this is stolen by skimmers then I guess they have to send you a new card.

Re: Apple Card launches today for all US customers

#155

Post by astura »

tidepod12 wrote: post #151
et2o wrote: post #120

Earlier quoted context omitted.

How can you get a better cash back percentage and no fees with Chase?

The Chase Freedom Unlimited is 3% back on all purchases (up to $20k/yr), and if you're willing to play the categories game, the Chase Freedom is 5% back.

>The Chase Freedom Unlimited is 3% back on all purchases

...For the first year only... and the 3% promo eliminated the signup bonus.

Discover It Miles is also 3% cash back the first year.

Re: Apple Card launches today for all US customers

#156

Post by astura »

js2 wrote: post #52
t3rabytes wrote: post #42

Earlier quoted context omitted.

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.

In addition to the Everyday, AMEX also has a couple business cards that earn MR points with no fee. I have the Blue Business Plus which doesn't have an annual fee.

Re: Apple Card launches today for all US customers

#157

Post by astura »

oblio wrote: post #78
TazeTSchnitzel wrote: post #71

Earlier quoted context omitted.

The card has a magnetic stripe, so they must have some solution to the magstripe number being stolen

Why does it even have a magnetic stripe in this day and age, as a completely new tech product from Apple?

It's just a co-branded credit card, not a new tech product.

Same agreement as a card offered by a charity, alumni association, airline, or baseball team. Uber has a co-branded card too, which is also not a tech product. Incidentally Uber's credit card has particularly attractive rewards.

Apple was [probably] a bit more involved with the design of the UI than your average airline, but that's it.

Re: Apple Card launches today for all US customers

#158

Post by johnnycab »

simonh wrote: post #103
photonios wrote: post #84

Earlier quoted context omitted.

Yup, same in the Netherlands and Romania. The adoption of contactless payments in Romania has been astonishing. When I first moved here four years ago you could only pay by card at restaurants and supermarkets and definitely not contactless. Now, four years later, you can pay contactless everywhere. Including all the little stores. Any place that supports card payments also supports contactless payments. Hell, you ca…

In London you generally don't even get a bus, rail or underground ticket. You just swipe the contactless pads to hop on, or in and out at stations. Very occasionally an inspector just holds a hand terminal to your card to check you paid.

>Very occasionally an inspector just holds a hand terminal to your card to check you paid.

For a ticket inspector, there is hardly any information to discern if a journey has been made when using a Contactless card. Furthermore, anybody who uses this method knows that it can be several days before a journey shows up on the list of transactions. Although, it is largely to do with how the TfL payment system was implemented, with Contactless being more of a hindsight. However, it is significantly better than nothing at all.

Re: Apple Card launches today for all US customers

#159

Post by astura »

rconti wrote: post #130
hvidgaard wrote: post #117

Earlier quoted context omitted.

You normally use a pincode. I cannot remember the last time I had to sign anything anywhere in EU when paying with a chip card.

US chip cards require a signature in Europe virtually 100% of the time, even on low-value transactions that would be under the signature threshold in the US. However, using contactless avoids signatures 99% of the time. I think I had to sign once on my last trip at a contactless terminal.

Signatures are optional for US cards

https://www.creditcards.com/credit-card-news/signatures-soon...

Strangely enough, it seems that this applies to mostly transactions in North America, for some reason.

That being said, an individual payment terminal can be configured to require a signature and it might take a while to switch over. The first day they were optional my grocery store got rid of them on their terminals, even for high value transactions, which I appreciated and commented on.

Re: Apple Card launches today for all US customers

#160

Post by rconti »

ghaff wrote: post #147
hvidgaard wrote: post #141

Earlier quoted context omitted.

What do you mean with it only works up to $30? I pay bills of several thousands with Apple Pay without pin or signature - I am from EU, but I expect them to work the same.

Per Apple Support (US page): United Kingdom You might not be able to use Apple Pay for purchases over 30 GBP. https://support.apple.com/en-us/HT207435 I've almost exclusively just tried to use it in the UK and this has been my experience at convenience stores.

Wow, yeah, I've never had that issue with NFC on the card, using my Garmin watch, Apple watch, iPhone, etc, most places I've traveled (Canada, Norway, NZ, Aus, continental europe.. Germany and their weird credit card hatred notwithstanding)
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