Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Preview invites are sent to people with the highest credit rating.
Hmmm or celebrities. Apple has always been a little starstruck so maybe invites are going out to people like Beyoncé or Kanye West and Cardi B. Those people have millions of followers between them.
 
Never seen so much hype for a credit card.
I will admit one reason that it has my attention is the Titanium metal card. I will also admit that it will hardly ever be used as I have much better rewards cards.
Apple rewards on their card is meh at best. Not horrible but meh.
Biggest reason I am getting it is for the titanium card, 3% cash back with Apple purchases and for those times I need the security of a one time use number.
Otherwise it will just a backup master card I carry.
 
Prices are higher, some there really think the money is free, I am on this other thread right now, people laugh at my comments, seems like they themselves don't get it.
Cashback, whether on the Apple card or whatever card is not free money although it might seem so.

If you are not charged interest (by paying off balance), how is it not free money?
[doublepost=1565032289][/doublepost]
Curious how would apple know someone's current credit rating before having the person apply for the card.
AFAIK you need the person's OK to run their credit.

I wonder if they meant the trustworthiness score assigned by Apple to a person's AppleID?
 
  • Like
Reactions: newellj
Wait until it's released. If tomorrow, I wouldn't be surprised if a commercial airs during "America's Got Talent" tomorrow night.

CBS All Access (commercial version) will be having them at the beginning of every program.
It would be silly for them not to advertise it once available. But that’s a far cry from saying it’s overhyped right now or even hyped in general by Apple. But it’s not the first “craze” around credit cards and won’t be the last.
 
My credit union card responds with a notification nearly instantly when I make a purchase. Hopefully this will work the same.
 
It would be silly for them not to advertise it once available. But that’s a far cry from saying it’s overhyped right now or even hyped in general by Apple. But it’s not the first “craze” around credit cards and won’t be the last.

My point was that I'm sure Apple will be advertising advertising it shortly. It may start off slow, preferring to focus on the Apple die-hards first, but I suspect I'll be seeing a commercial A lot before it's over with.
 
My point was that I'm sure Apple will be advertising advertising it shortly. It may start off slow, preferring to focus on the Apple die-hards first, but I suspect I'll be seeing a commercial A lot before it's over with.
Without a doubt they will find a way to advertise it as soon as it becomes available. Social media first followed by traditional ads. At some point it wouldn’t surprise me if they sponsor various shows and have them use the Apple Card in the show. It’s how all marketing is done these days.
 
The most important benefit of Apple Pay is greater security. Apple Pay itself isn't inherently any more convenient than waving an NFC contactless credit card in front of the POS terminal.

I wouldn't agree when the Apple Watch is in the picture. Option A - pulling my wallet out of my pocket, getting my card out of my wallet, tap to pay, put card back in wallet, put wallet back in pocket. Option B - clicking a button twice and holding the watch near the reader.
 
  • Like
Reactions: Sikh and asopublic
Curious how would apple know someone's current credit rating before having the person apply for the card.
AFAIK you need the person's OK to run their credit.

https://www.transunion.com/data-reporting/data-reporting

I believe they (Apple) can buy that data from the credit reporting agencies to use it for marketing purposes. That is why you get a lot of "preapproved" credit card offers in the mail... it is from those marketing lists.
 
yah, then 1.5% after first year and 3% foreign transaction fees - meh
I barely travel internationally, and the extended warranty protection alone will save me a lot on AppleCare. And they have extra cash back for a rotation of stores, like an extra 5% at Nike and an extra 6% at Macy’s
 
  • Like
Reactions: DeepIn2U
Curious how would apple know someone's current credit rating before having the person apply for the card.
AFAIK you need the person's OK to run their credit.

Nope. No permission is necessary for a "soft pull". These don't affect your credit score, and is how you get the tons of preapproved credit card offers in the mail.

Here in the USA, most credit card issuers got rid of the NFC contactless feature in their cards. It was far more common five years ago but the technology did not catch on with the average American consumer.

It changed again, contactless is having a second run, a lot due to the added hassle EMV chip has caused. Bank of America is the only major brand that doesn't send out contactless cards right now.

At least using Apple Pay on the iPhone, I still need to unlock my iPhone, select the Wallet app, maybe select the card that I want to use, then use the double-click. In the end, it's not actually faster than pulling out my wallet. The main benefit is that the Apple Pay NFC contactless transaction is greater security.

You're doing it wrong. Double click while looking at the screen, then tap. No need to separately unlock and open the Wallet app. It is much more convenient on Watch though.
 
Last edited:
I can see how the Apple Watch might change things (I don't have one). Do you need to select a Wallet app on the Apple Watch before you can pay? What about multiple cards?

on apple watch you just double-click the side button and it's in apple pay mode. If you want to use a different card than the one you set as the default, you can just swipe to it after double-clicking the side button.
 
I can see how the Apple Watch might change things (I don't have one). Do you need to select a Wallet app on the Apple Watch before you can pay? What about multiple cards?

At least using Apple Pay on the iPhone, I still need to unlock my iPhone, select the Wallet app, maybe select the card that I want to use, then double-click the button while staring at the phone (Face ID). In the end, it's not actually faster than pulling out my wallet. The main benefit is that the Apple Pay NFC contactless transaction is greater security.

The Apple Pay authorization is often faster than an EMV chip card transaction admittedly.

Here in the USA, most credit card issuers got rid of the NFC contactless feature in their cards. It was far more common five years ago but the technology did not catch on with the average American consumer.

Depending on how your phone is set up and what card you want to use, selecting the wallet app isn't necessary.

With my current phone (XS Max), it wakes up and unlocks when I take it out of my pocket and give it a reasonable view of my face. Click the side button twice and I'm done.

With my prior phone (7), I would take it out of my pocket, move it over the POS reader while double clicking the TouchID button and it was done (arguably faster than FaceID because the TouchID button was a little easier to click twice with my thumb than the side button).

That assumes you're using the same card most of the time. Very on topic: we use a BofA VISA that's got very good rewards on most of the types of things we pay for with the card. The Apple Card doesn't look like it's competitive, but I'm interested so will get one. If nothing else the titanium card will make a great paperweight.
 
With my prior phone (7), I would take it out of my pocket, move it over the POS reader while double clicking the TouchID button and it was done (arguably faster than FaceID because the TouchID button was a little easier to click twice with my thumb than the side button).

There actually was no double-clicking with Touch ID. You just put your finger on the button while it was sleeping and then tapped the phone on the reader. I agree with you that it was easier and faster than Face ID.

My understanding is that many credit card issuers will send out an NFC contactless card upon direct request from the customer.

I believe part of the failure the first time around was a fair amount of hysteria about the possibility of people getting their accounts sucked dry by scammers using spying devices. We also saw similar hysteria when Apple Pay was announced.

Since late last year Chase is sending them out as renewals without asking. I thought smartphone pay solutions like Apple Pay would take over and contactless in cards was dead too but apparently not. Apple Pay has no sucked dry problem, like cards do, because it requires user action to activate.
 
Last edited:
  • Like
Reactions: Robert.Walter
I was excited about Apple Card, but then I saw Chase Freedom Unlimited offers 3% off everything the first year and $150 cash back for spending $500 the first 90 days. Also extended warranty protection.

I just got the Chase Freedom Unlimited card a couple months ago. To me it's fantastic, especially getting 3% back during the first year on all purchases (my wife also has the card and loves it).

Personally, I do not see a real benefit in having the Apple Card. But that's just me. Everyone is different.
 
  • Like
Reactions: dannyyankou
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.