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Apple isn't trying to compete with great travel cards like Chase Sapphire Reserve, which IMO is the best overall travel for frequent travelers (I find Amex Platinum too restricted for my needs).

The Delta/Lounge perks on the Plat are what I really use it for. I use Uber once a month because of the monthly credit.
 
Also, the 3% extends to all subscriptions through Apple (iCloud storage, Apple Music, Apple Arcade, etc.), correct?
Yes, but if you spend a lot on this it's better to keep an eye out for discounted iTunes gift cards. They are frequently on sale for 15% off (e.g. right now Paypal offers $50 cards for $42.25).
 
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Timed with the Apple Card launching widely in the United States today, Apple has announced that customers will now receive three percent Daily Cash when they use the Apple Card with Apple Pay for Uber and Uber Eats purchases.

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Apple says additional merchants and apps will begin to offer three percent Daily Cash in the coming months.

The three percent reward was initially limited to purchases made directly with Apple, including at Apple Stores, Apple.com, the App Store, the iTunes Store, and for services like Apple Music and iCloud storage subscriptions.

All other purchases made with the Apple Card via Apple Pay will continue to receive two percent Daily Cash, while purchases made with the physical, titanium Apple Card qualify for one percent Daily Cash.

To apply for an Apple Card, simply open the Wallet app on an iPhone running iOS 12.4 or later, tap the plus button in the top-right corner, and follow the on-screen steps. The process takes just a few minutes, and if approved, your digital Apple Card will be ready for purchases immediately.

Daily Cash is unlimited and paid out daily to your Apple Cash account. For more details, make sure to check out our Apple Card guide.

Article Link: Apple Card Extending 3% Daily Cash to More Merchants, Starting With Uber and Uber Eats
I think a note needs to be added on this regarding to Uber: Offer availability may vary based on location. Uber does block usage of Apple Pay based on the location of the ride or food delivery (i.e., users who are registered on Uber in countries where Apple Pay is available and already have Apple Pay set up on their devices are still banned from using Apple Pay when requesting rides or food deliveries in other countries, even though technically it is possible and works fine).
 
Those are only two factors in a top-secret approval formula. We’ll never know, because individual banks will never say, but your decline could’ve been because of something like the length of time at your job , or if you’re self-employed, for example.
Or too many applications, or if you froze your credit report. Most cards have a reconsideration line you can call, I’m sure Goldman Sachs does too.

There’s a whole page about it here https://support.apple.com/en-us/HT209218
 
Chalk me up as another person who doesn't like Uber's practices, but has ridden on them a couple 4 times before. Hell, even my parents who still treat their smartphones like a flip phones have looked into getting Uber, and how to use it b/c it is that useful.

And people were complaining of poor rewards. Expanding 3% to more merchants seems to address this.
I'm inclined that all the complaining lead to this. There's been histories where people complained, and Apple did end up addressing some of those complaints.

That said, I'm still not getting an Apple credit card, as I'm not their target audience. I still use an Android phone that first came out in 2015. I have no desire to get a recent Android phone, let alone a recent iPhone (which is one requirement for this cc it seems).
 
I can't believe you would sell your principles away for only 3%. I wouldn't for anything under 5%.
Read the post again. OP clearly states he wouldn’t use Uber under any conditions, he’s not “selling his principles away”. He does, however, want the 3% cash back program expanded to include additional merchants.
 
Apple should of made 3% cash back on all purchases, and 5% cash back of Apple products. Now that would be an incentive.
 
Apple should of made 3% cash back on all purchases, and 5% cash back of Apple products. Now that would be an incentive.

That would instantly make the apple card my primary everyday card. Pretty much can't use the card with gas stations since almost none accept apple pay at the pump. 1% reward just sucks compared to so many other cards that allow for 2-5% for gas.
 
Anyone know how much you get back when using a random credit card generated number? Meaning Amazon doesn’t use Apple Pay and I can’t use my physical card so I’d use the Apple Card app to create a credit card number. Does that count as 1% or 2% cash back?
First of all, the number isn't random. It's static and you can find it in wallet. You can manually request a new card number if you feel that your current one may be compromised, but as long as you don't the card number remains the same. Second, if you go into the wallet app, get your card number and use it for an online purchase, that counts as using the physical card so it's only 1%. Which brings me to a situation related to Apple extending the 3% cash back to Uber: if you request a ride or a food delivery outside the very few countries where Uber officially accepts Apple Pay, then you have to manually enter the card number and get only 1%. This is because Uber deliberately bans usage of Apple Pay based on location instead of just letting people use it anywhere once they have it set up (it works fine, I used Apple Pay to pay for rides in Mexico before Uber put in place that absurd restriction, but Uber is like Apple and they like to impose stupid restrictions on the users).
 
That would instantly make the apple card my primary everyday card. Pretty much can't use the card with gas stations since almost none accept apple pay at the pump. 1% reward just sucks compared to so many other cards that allow for 2-5% for gas.
Yea it seems the "2%" everywhere is already going to brought up to 3% with the news about Uber and Uber Eats, more will follow.
I don't understand why they would limit 1% for the physical card? Just to have a talking point about 1%,2%,3% cash back?
 
Can someone clarify this for me: Is daily cash something you have to "cash out" every single day, or is it always there and available whenever you want it? I'm trying to figure out if it means you use it or lose it, or it accrues daily instead of monthly like other cards.
The daily cash is deposited on your Apple Cash debit card (or can be sent to a bank account if you don't use Apple Cash) and it is immediately available for you to spend using the card or send to your bank account.
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Yea it seems the "2%" everywhere is already going to brought up to 3% with the news about Uber and Uber Eats, more will follow.
I don't understand why they would limit 1% for the physical card? Just to have a talking point about 1%,2%,3% cash back?
The move of limiting the physical card to 1% cash back is intended to incentivize people to choose to use of Apple Pay over the physical chip card. It's not gonna work very well with all those merchants in the US still accepting only chip and mag stripe or even only mag stripe, but that's Apple's intention.
 
This is the case for me. I had a late payment 4 years ago. Still, seems a bit harsh for a consumer credit card.
Apple is always extremely harsh on the customer. So is anyone who partners with Apple.
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If they were to offer this in India, it would be an instant hit. People in urban cities are progressively relying on ride sharing apps such as Uber. So much so that the Indian automobile industry is seeing a massive slow down.
A hit? In a country where so many people use cash that even Uber was forced to allow that payment option? I doubt it. And the same goes for Mexico, the only other country where Uber has to accept cash because people are so backwards that they still use cash 90% of the time.
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Obviously a fake screenshot. You can't buy anything at an Apple Store for $17.34.
No 17.34 was just the cash back, not the purchase price.
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Dear baby J! You don’t pay the fee directly, but the businesses do.

I wish there was no transaction fee. If it is hypothetically true, every business would immediately plaster on their windows their utmost willingness to accept Apple Card. Why do you think AMEX is ‘only’ taken at Costco? I exaggerate ‘only’ of course, but I’m not far off.

The old saying goes something like, if you can’t find the patsy in this game...
No transaction fee just means there isn't any transaction fee to be paid by customers who have the Apple Card. Of course businesses do pay a transaction fee, but the fee is charged to them for accepting ANY Mastercard card so they were already paying that fee anyway even before the Apple Card ever existed. Neither customers nor merchants pay any transaction fee that's specific to the Apple Card.

Other cards do charge the customers an annual fee and other fees such as for foreign transactions, etc, in addition to whatever fees the businesses pay for accepting payments with those cards, which is why the Apple Card not charging the customers any fees is seen as an improvement.
 
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This depends on where you live but in Toronto, Apple Pay is accepted virtually everywhere. I’ve used ApplePay at large chains but also at an ice cream truck. Canada has had tap payments for a few years now so it’s pretty much everywhere. I’m so confident that ApplePay will be accepted that I have stopped carrying a wallet. My physical cards are in a drawer at home. When I walk my dog I don’t even take my phone. If I want to buy a bottle of water or a snack, I’ll tap my Watch at a food truck. Works every time. Livin’ the dream.
Sadly America is still in the stone age.
 
They deserved every criticism they get. There is a much better rideshare service in Lyft without having to support Uber.

I know its fun to bag on Uber but on my last vacation Uber was invaluable - Uber (or a service like it) its indispensable IMO.
 
This depends on where you live but in Toronto, Apple Pay is accepted virtually everywhere. I’ve used ApplePay at large chains but also at an ice cream truck. Canada has had tap payments for a few years now so it’s pretty much everywhere. I’m so confident that ApplePay will be accepted that I have stopped carrying a wallet. My physical cards are in a drawer at home. When I walk my dog I don’t even take my phone. If I want to buy a bottle of water or a snack, I’ll tap my Watch at a food truck. Works every time. Livin’ the dream.
Sadly, that's not the case in the US. Too many businesses in the US still only accept chip or magnetic stripe cards, and some not even chip but only magnetic stripe cards.
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They deserved every criticism they get. There is a much better rideshare service in Lyft without having to support Uber.
Unfortunately, the availability of Lyft hasn't expanded as much or as rapidly as the availability of Uber. Lyft, for now, is only an option for people living in the US and one Canadian province.
 
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Read the post again. OP clearly states he wouldn’t use Uber under any conditions, he’s not “selling his principles away”. He does, however, want the 3% cash back program expanded to include additional merchants.
They never stated "under any conditions" but it was a joke so who cares?
 
I don't understand why they would limit 1% for the physical card? Just to have a talking point about 1%,2%,3% cash back?
Apple users have quite a bit of consumer power. Apple is leveraging their user base to try to drive merchants away from physical cards and onto digital/NFC cards.

The theory would go something like this.

AppleCard user goes to a store that doesn't have NFC. Buys a bunch of stuff, let's say $125 worth. Goes to the register and looks for an NFC terminal, but can't find one. Has to pull out the physical card and tells the cashier that they should go NFC so that they can use their iPhone to pay.

The cashier here's this 100x a day and the managers start to notice.

Then that merchant goes NFC and accepts AppleCard eventually.
 
Really hope they expand it to some grocery stores. Then 3% cashback would be a sole reason to get this card and a lot of Apple Card haters would rethink their criticism. In the meantime, it’s still just an average credit card. I like it as it’s convenient and I do not care about APR, never missed a payment and no planning to buy more than I can afford to

Highly unlikely, unless they implement a cap on your cashback otherwise the card would be abused by manufactured spenders.
 
I have not kept up with the whole “Uber sucks” debate but I take rideshare almost daily. Most of the drivers, drive for both platforms. Especially the hard core full time guys that pick me up at airports and hotels. So what is the so terrible about a Uber? The app? Because that’s the only difference I experience. Same drivers, same cars, same rates.

If you’re in a busy downtown area jut make an observation of how many card go by with both Uber and Lyft stickers on them. The next time you’re in an Uber ask the driver if they drive for Lyft. The reverse doesn’t work because a savvy driver will see your hipster beard and say “no Uber bad”.
 
I have not kept up with the whole “Uber sucks” debate but I take rideshare almost daily. Most of the drivers, drive for both platforms. Especially the hard core full time guys that pick me up at airports and hotels. So what is the so terrible about a Uber? The app? Because that’s the only difference I experience. Same drivers, same cars, same rates.

If you’re in a busy downtown area jut make an observation of how many card go by with both Uber and Lyft stickers on them. The next time you’re in an Uber ask the driver if they drive for Lyft. The reverse doesn’t work because a savvy driver will see your hipster beard and say “no Uber bad”.
Also, those who prefer Lyft over Uber are almost for sure Americans. Lyft does not currently operate anywhere outside the US except for the Canadian province of Ontario.
 
If you have 800+ score, does APR really matter? You are probably paying your balance in full every months.

Yes, that is true. But it’s a matter of principle to me. Paying interest pretty much negates any cash back or bonus point benefits on any card. So yeah, I pay my balance off every month.
 
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