Apple Card Now Available to All Customers in United States

[IllIllIll]

Exactly. I wouldn't get the card for the debt, I would get it for the rewards and tracking. And even though I plan not to have any debt on the card, I'm not signing up for a 24% APR, when I can get better benefits elsewhere for 13%.

This doesn't make any sense.

If you don't plan to keep any debt on the card (meaning you pay off the balance on time every month), then the APR is irrelevant. It doesn't matter if the APR is 24% or 13% or 80%, it won't affect you. You're not "getting better benefits" because of a lower APR.

 

[bliggs]

I am unable to add the Apple Card to my Apple watch. I have a 1st gen series 0 so I am thinking that may be the issue? Anyone else with an original AW having this problem?

Ok, just found out that it is definitely because of the AW. The watch OS needs to be 5.0 or later. Guess it's finally time to upgrade

 

[Jefe's MacAir]

Not able to read all responses, so I was hoping someone could tell me the best rate and highest limit so far posted or otherwise known. Just curious. Thanks.

 

[Jacoblee23]

How hard it is it get approved? Should you even bother trying unless you’re in the 700’s and 800’s?

 

[rugmankc]

Others would have to look also--

But, I believe 12.99% is as low as it goes. Many have that.

And 40k is highest posted.

Not by same person though--AFAIK

 

[Totally]

It’s not horrible for Apple specific purchases and Apple Pay.

Most people don't spent enough at Apple every year to make the extra 1% worth it and Apple pay is not accepted everywhere. It's not worth a hard credit pull to get an extra $10 or $20 (Assuming you spend $1000 or $2000 at apple yearly) in rewards a year, it's amazing that so many people think it is though! Even if you spend $5000 at apple a year, that's $50 extra dollars in rewards in exchange for a hard credit pull and a credit card that came with no sign up bonus.... I think you have spend $15,000 a year or more at apple for this card to even be remotely considered.

You can use your apple card and I will use any other credit card that comes with a sign up bonus and I will come out way ahead of you. Again, like I said, someone has to subsidize the hobby for the rest of us.

 

[bpeeps]

Haha, no silly. You get charged interest after the first month. It's the privilege of having an Apple logo on your card. Precisely why I'm not getting one. It's a rip off and a joke. Bring this to other credit card companies and I think it would be neat, but I'm sure GS has a exclusivity agreement for taking this one similar to what ATT had back in the day.

Difference here is my reception is a non issue with this product. Actually better with competitors.

Pay your bills on time and you don't get charged interest. Don't let credit play you.

 

[RevTEG]

Well I’ve given up for now. Apple Card has failed to verify my identity 5 times now. I cannot for the life of me figure out why. My job requires me to travel internationally. My identity has been verified and approved for TSA pre-check and Global Entry yet the Apple Card can’t verify my identity?!

 

[bpeeps]

While this is nice, there are still cards out there that blow this away. Check out the uber card (which has become my go to card for cash back, as opposed to points):

https://www.uber.com/c/uber-credit-card/

If you can figure out how to apply for it, it's a great card.

Currently I use the Amazon card for dining and online, and gas, which overall is better than the Uber Card. Then Capital One at 1.5% for everything else. It's the best combination I have found.

With the Apple Card, I'll essentially just have it on my phone and get 3% on Apple stuff (which will be automatic) and 2% on Apple Pay which will be better than the 1.5% on Capital One (where it is accepted).

Not sure how you beat this combination (overall speaking).

Any 2% card beats your 1.5% card: Citi Double cash, Paypal 2%, Alliant 2.5%, Fidelity, etc. Any travel card will beat the Amazon's 2% cashback for dining: Chase Sapphire cards, Amex Plat/Gold, WF Propel, Uber card, Bank of America Travel Rewards, among so many more. Best Buy, Amazon Prime Card, Target, (and to some degree Chase and Discover's rotating categories) all get you 5% back on Apple stuff. There is no single best combination, it depends on the individual and what you specifically spend money on. But as far as pure cashback numbers go, you aren't maximizing your rewards capability. You can earn higher in your categories with other cards.

 

[BruiserB]

Old design (Tan) or New Design (Green)? I had a friend tell me the tan ones were working...not sure though as I don't have a tan one.

I believe mine would be the “old” design as I’ve had it a couple of years. I didn’t know the Enhanced DL changed when the RealID ones came out? Mine looks like the old MN license but has Enhanced Drivers License and a US Flag emblem on it.

 

[eXoenDo]

Well I’ve given up for now. Apple Card has failed to verify my identity 5 times now. I cannot for the life of me figure out why. My job requires me to travel internationally. My identity has been verified and approved for TSA pre-check and Global Entry yet the Apple Card can’t verify my identity?!

Same! It’s mind boggling and Apple/Goldman Sachs have no manual override etc, even though they can pull up the images I took. And now you’ll likely be locked out with the “Too many applications” message.

I believe mine would be the “old” design as I’ve had it a couple of years. I didn’t know the Enhanced DL changed when the RealID ones came out? Mine looks like the old MN license but has Enhanced Drivers License and a US Flag emblem on it.

yeah that’s the older design. The new enhanced design is green and came out in March I believe.

 

[Sora]

If you can figure out how to apply for it, it's a great card.

Any 2% card beats your 1.5% card: Citi Double cash, Paypal 2%, Alliant 2.5%, Fidelity, etc. Any travel card will beat the Amazon's 2% cashback for dining. Best Buy, Amazon Prime Card, Target, (and to some degree Chase and Discover's rotating categories) all get you 5% back on Apple stuff. There is no single best combination, it depends on the individual and what you specifically spend money on. But as far as pure cashback numbers go, you aren't maximizing your rewards capability. You can earn higher in your categories with other cards.

IMHO - the max one can optimally earn is 10% back on Apple purchases, but requires serious planning.
1. New Discover card applicant within 1st year of 5% cash back match.
2. 5% quarterly bonus category which includes any place where you can buy gift cards
3. max out $1500 quarterly maximum in gift card purchases (buy apple gift cards or Amazon gift cards)
4. Profit. (5% of 1500 = $75 + 75$ match bonus at the end of the year).

I'd be interested to see a higher cash back optimization.

That said, YMMV. I think 3% is ok for a set it and forget it type card for Apple purchases. The average consumer who isn't into optimization/credit churning etc enjoys cards like the Chase Freedom Unlimited and the Double Cash card.

 

[DoubleFlyaway]

I had a bankruptcy four years ago when I got divorced. I think my credit score is in the 700s now. I’ve had a few low limit credit cards post bankruptcy, in the range of 1000, with annual fees, not great rewards, etc. Apple offered me 5500 and 23.99. For me this is far and away the best card I’ve gotten post-divorce. As long as I pay it off every month, it’s a great thing to have for the rewards and for rebuilding credit.

 

[smaffei]

I just think the amount they approve for from what others say is entirely too low and the interest they charge for it is horrendous IMHO. That's a hard pass for me.

I got $10,000.00 at the lowest APR (12.99%). Maybe you are talking to the wrong people.
[doublepost=1566406520][/doublepost]

Hard to know what factors they use for sure - I just applied, credit score is 833 and was approved for 10k limit with 12.99 rate.

Ditto.

 

[raqball]

I've had mine for a few weeks now.. $10K limit @ 12.99%.. I've only used the card once as it's one of my lower limit cards..

I also have the Titanium Card (they send you in the mail if you request it) but am ditching the iPhone. I guess I need to contact Apple to see how I'll manage payments ect going forward.. I suppose I can buy a cheap iPhone SE and just keep it around for managing the card if need be...

 

[mrbjr]

I've had mine for a few weeks now.. $10K limit @ 12.99%.. I've only used the card once as it's one of my lower limit cards..

I also have the Titanium Card (they send you in the mail if you request it) but am ditching the iPhone. I guess I need to contact Apple to see how I'll manage payments ect going forward.. I suppose I can buy a cheap iPhone SE and just keep it around for managing the card if need be...

If you have an ipad it would take care of your payment concerns.

 

[raqball]

If you have an ipad it would take care of your payment concerns.

I do not but I could always buy a used one.. Having the physical card allows its use, for the most part, without needing an iPhone but I need to tackle billing and other things. I can get an iPhone SE for like $70 off craigslist so I might just go that route..

 

[AJ44]

I've had the card for a couple weeks and every single server/bartender that has taken the card has had some kind of comment about it being:

cool
where are the numbers
heavy
you could hurt someone with this

I think Apple knocked it out of the park with the design of the card and that alone will cause people to sign up. Nobody has ever commented on my prime card which is metal and about the same weight. The only other card I ever got any kind of comment on was the Chase Sapphire and that was only a couple times how cool it looked.

 

[lcseds]

This doesn't make any sense.

If you don't plan to keep any debt on the card (meaning you pay off the balance on time every month), then the APR is irrelevant. It doesn't matter if the APR is 24% or 13% or 80%, it won't affect you. You're not "getting better benefits" because of a lower APR.

I don't plan on keeping debt on mine either. And I was qualifying at 17.99. I know I qualify for better than this rate. It would be higher than every card I have. Because of the interest rate, which I believe is too high with my circumstances, I will not give them my business. Matters not whether I reap more reward than them. I don't want to open an account. It's nice to know that if there were a revolving balance for whatever reason, it would be on my sub 10% card rather than 17.99. Principle thing is first and foremost.

 

[phantom5251]

Was denied due to “too many applications,” – have received responses anywhere from “we haven’t heard of that error,” to “wait 24-48 hours” to “wait 30 days” to reapply. Have heard their system was having issues with real ID’s or something, but not sure if that’s still the case.

 

[M-Life]

Have heard their system was having issues with real ID’s...

Better use your fake ID then.

 

[clcnyc]

Applied and denied. So pissed! I have an excellent credit score and no late payments. Literally one "ding" on my report from 2014 that I'm disputing with Transunion now as it's paid off. Hopefully it will be cleared and I can get one!

 

[eXoenDo]

Was denied due to “too many applications,” – have received responses anywhere from “we haven’t heard of that error,” to “wait 24-48 hours” to “wait 30 days” to reapply. Have heard their system was having issues with real ID’s or something, but not sure if that’s still the case.

The real ID/enhanced ID issue is ongoing. I just got off the phone with GS again and they confirmed that they are aware and no estimated time of resolution is available. If you hit the too many applications message, they indicated to me that it will be a 30 day wait.

 

[Buadhai]

Well I’ve given up for now. Apple Card has failed to verify my identity 5 times now. I cannot for the life of me figure out why. My job requires me to travel internationally. My identity has been verified and approved for TSA pre-check and Global Entry yet the Apple Card can’t verify my identity?!

Same problem here. I tried to use the Global Entry ID card but that was rejected.

 

[RevTEG]

Same problem here. I tried to use the Global Entry ID card but that was rejected.

So weird! My wife is unemployed (stay at home mom) and hers verified and approved on the first try!