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Apple Card Begins Arriving to Customers, Wide Range of Credit Scores Reportedly Being Approved

Baymowe335 said:
The Chase card is a travel card. The Apple Card would be 2% and no fees if using ApplePay a lot in foreign countries. That’s solid. The Citi Double Cash is a terrible card to travel with despite its 2% cash back.

Again, the key is how you’re using it. They 2% for ApplePay is very appealing. Name another card offering 2% all over the world at that many locations.
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Yeah the Chase is a travel card and you’re the one who brought up how great the Apple Card is for foreign travel and no FTFs. Now let’s do the math on how much you’d have to put on the Apple Card to get to the $655 (sign-up bonus minus the annual fee) cash back needed to equal the CSP. That’d be $32,750 lol. And of course that also ignores the 2% you get on travel and dining with the CSP as well, and it doesn’t even require Apple Pay which is a conveniently forgotten fact. And you can also then use those points in ways that make them more valuable than just the straight cash you get from the Apple Card, though you could certainly opt for straight cash with Chase if you wanted. If someone is shopping for a card for foreign travel, the Apple Card is trash tier compared to the Chase cards and probably others as well. Of course nobody is stopping someone from getting more than once card, but if we’re talking about one and done, the Apple Card has you leaving hundreds of dollars on the table. Almost a new iPhone’s worth of dollars actually.
 
vipergts2207 said:
Yeah the Chase is a travel card and you’re the one who brought up how great the Apple Card is for foreign travel and no FTFs. Now let’s do the math on how much you’d have to put on the Apple Card to get to the $655 (sign-up bonus minus the annual fee) cash back needed to equal the CSP. That’d be $32,750 lol. And of course that also ignores the 2% you get on travel and dining with the CSP as well, and it doesn’t even require Apple Pay which is a conveniently forgotten fact. And you can also then use those points in ways that make them more valuable than just the straight cash you get from the Apple Card, though you could certainly opt for straight cash with Chase if you wanted. If someone is shopping for a card for foreign travel, the Apple Card is trash tier compared to the Chase cards and probably others as well. Of course nobody is stopping someone from getting more than once card, but if we’re talking about one and done, the Apple Card has you leaving hundreds of dollars on the table. Almost a new iPhone’s worth of dollars actually.
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Dude, 2% ApplePay with no foreign fees is better than the chase card if you’re not spending it on travel or food, period. That makes it a good travel card for those situations.

I didn’t say the Apple Card replaces the chase card. I HAVE the Chase Sapphire Reserve.

The Apple Card goes into the rotation and is used for 2% ApplePay purchases and 3% Apple purchases.

I have 600,000 points at Chase that I’m hoarding to spend on Airline tickets, so I completely understand the value of Chase Rewards.

No card has it all. Apple Card is good for its situations. Very good. Apple Car could have some kind of promotional bonus to make it better, but it won’t while its fresh and new. That will come later.
 
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Baymowe335 said:
The Chase card is a travel card. The Apple Card would be 2% and no fees if using ApplePay a lot in foreign countries. That’s solid. The Citi Double Cash is a terrible card to travel with despite its 2% cash back.

Again, the key is how you’re using it. They 2% for ApplePay is very appealing. Name another card offering 2% all over the world at that many locations.
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The Fidelity Visa offers 2% on everything.

I did get the Apple Card just because I want to support Apple. I own a good bit of stock in Apple. But the Fidelity card deposits the 2% cash into my investment account monthly. And it isn2% on all purchases.
 
t76turbo said:
The Fidelity Visa offers 2% on everything.

I did get the Apple Card just because I want to support Apple. I own a good bit of stock in Apple. But the Fidelity card deposits the 2% cash into my investment account monthly. And it isn2% on all purchases.
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That’s good, but they still have a 1% fee on foreign transactions.

For people that travel a lot, the 2% ApplePay with no foreign fees still beats that. I use several cards for different situations.
 
appleguru1 said:
Anyone know if it supports chip and pin? I’ve been looking for a US based card that does for foreign travel...
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Chip and signature cards work fine overseas. None of my cards have a pin and I haven't encountered any problems in Europe and Asia.
 
TheRedOx said:
Almost the same story as me. 727 was the score they showed on my denial. I did find some late payments in my history on a credit account that I paid off in full and closed. My fault, I don't remember the circumstances but for some reason I did a "then I won't pay you anything, that'll show you" kind of thing when they wouldn't help me with a customer service issue but, yeah, was a few years ago and the account is closed. I could probably call up that creditor and see if they would get rid of those late payment reports in good faith since I've since paid it off since then.
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If they’re paid off you should be able to just get rid of them entirely off the report.
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MisterSavage said:
Chip and signature cards work fine overseas. None of my cards have a pin and I haven't encountered any problems in Europe and Asia.
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You can use Apple Pay overseas as well with any card, and avoid the whole thing altogether. Since Apple Pay is CDCVM
 
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GfPQqmcRKUvP said:
People are being seduced by the minimalism and Apple Wallet integration. There are much better cards out there from a rewards perspective). In terms of privacy and security you're not liable for any fraudulent charges with normal credit cards that have the number on them so....no real difference.
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It's never been about liability in the U.S. But if your card isn't secure, you have to call and wait to be issued a new card every time there's a new fraud incident. If Apple Card is just 10% more secure than others, it's worth it for the time saving and no hassle that other, less secure cards cannot offer.
 
newyorksole said:
$40K?! Goals! Lol. My AMEX is $31K. Apple Card is $5K.
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yeah I was surprised by this as I have 45k on one card that I use all the time, and I think 30k on another one that I never use. I was figuring ~80k was already nearing the limit of how much unsecured credit "they" think I should have, but on the other hand I've never missed a payment in 30 years of owning credit cards.
 
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I was waiting to get an email or something from Apple like a fool because I had signed up for a notification back when they originally announced the card. Randomly decided to go to the Apple website today and found out the application was already available in the Wallet app.

Got approved for $7,500 at 17.99% APR, not that I care about the latter since I always pay off my balance on my credit cards every month. Looking forward to getting the physical card!
 
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Baymowe335 said:
Again, the key is how you’re using it. They 2% for ApplePay is very appealing. Name another card offering 2% all over the world at that many locations.
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Best deal for travelers who prefer straight cashback over (more or less) complicated point systems:

1) Park at least $100k worth of investments or an IRA at Merrill Edge. This earns you "platinum" status, which boosts Bank of America credit card rewards by a factor of 1.75.

2) Get their "Premium Rewards" credit card, which now earns 2.6% on everything, and 3.5% on travel and dining. No international transaction fees, and does not require using the card through Apple Pay. It has a moderate annual fee, but that can be reimbursed by charging airline incidentals on the card. Also has a good set of travel and purchase benefits that the Apple Card does not offer.

3) For bonus points, also get the "Cash Rewards" card, which now earns 3.5% on groceries, and 5.25% on a category of your choice, which includes "online shopping" (so you can e.g. get this rate when ordering stuff from Apple). No annual fee, there is a quarterly limit of $2500 for earning the elevated rewards though.
 
BlendedFrog said:
I'd like to thank all those people on Twitter that are posting pictures of their new CC with their actual names. While it doesn't show the CC number, it does show that it is a mastercard and their name. It's just asking for fraud and identity theft. What idiots.
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If identity theft was that easy, no one would have identities anymore.:rolleyes:
 
Gutwrench said:
Meh, who wants to carry a balance at 10% interest?
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not everyone carries a balance

predation said:
I’m wondering how well the titanium “cuts” lol
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If you sharpen it right it could be like a razor blade. lol

markgpearse said:
I love my BofA card. Get $300 - $400 back every month. It’s in my Wallet.
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BOA has some very competitive cards, I have a BOA Cash Rewards mastercard. I like that card, works for me and my purchases. I also have a Discover IT card. The only thing I don't like about Discover is their rotating categories for their cash back.. I might get the apple card just as a filler card. But not sure yet...


James
 
calzon65 said:
Unlike some of the crazy Apple expansion rumors, I think this will be a success for Apple.
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Totally. Not only will the convenience and benefits of Apple Pay improve, but they’ll get all those sweet sweet interest payments.
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calzon65 said:
Unlike some of the crazy Apple expansion rumors, I think this will be a success for Apple.
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Totally. Not only will the convenience and benefits of Apple Pay improve, but they’ll get all those sweet sweet interest payments.
 
Vally1945 said:
Totally. Not only will the convenience and benefits of Apple Pay improve, but they’ll get all those sweet sweet interest payments.
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Totally. Not only will the convenience and benefits of Apple Pay improve, but they’ll get all those sweet sweet interest payments.
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I'm not sure how that will work. Goldman Saks is the one that is providing the funding. They are the one's that would be getting the interest fees and such, not apple.. I could be wrong tho..

James
 
JForestZ34 said:
I'm sure I did but with 14 pages of replies I can't remember. LOL Could you remind me please...


James
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Lol, someone was boasting their credit union issued cc is only charging 9.9%. While it being an excellent rate comparatively, carrying a balance at 10% makes me cringe.
 
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Never in my life I would imagine that apple would come up with a ”Credit card” product among its macs and iPhones. Totally unfitting for apple.
 
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