Great point, which also highlights a barrier to adoption: I'm satisfied with the mobile apps and websites for my AMEX, Citi, Edward Jones and bank accounts. So why would I bother to explore options such as AC? Maybe AC really is better for me, but if I'm not in the market, I won't know. I'm not sure how Apple can overcome that barrier to adoption.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Card Offering Free One-Year WSJ Subscription as Sign-Up Bonus
- Thread starter MacRumors
- Start date
- Sort by reaction score
Thanks for the update. I think I cancelled about somewhere between 6-12 months ago. I am glad that it has changed.
That and: If you're already ingesting your financial data into something like Quicken, Banktivity, MoneyDance, etc. you're rarely going to be hitting the issuer's website, other than to make payments (and maybe not even that, if you have auto-pay setup). Between investment accounts, property loans/mortgage, cards, my business accounts, etc. I would go nuts if I had to bounce around to different websites all the time to gather financial data. In a situation like that, Apple Card's "oh we have our special little app you can only use on your iPhone" is a liability, not a benefit. But that's me, others may not have as diverse a financial profile, or be as comfortable with their own system or process like you are. For those, sure, having it be yet-another-app could be a benefit. I just don't see that it's so strong of a benefit to overcome what a lackluster overall card it is.
Apple Card has always felt like a really good idea that, like so many good ideas at Apple, started out with promise and now is being left to wilt. They need to be much more aggressive about developing it as a product. Personal credit is hugely competitive and I'm not going to sign up just "because Apple."
The main problem is Goldman, honestly. Apple is somewhat limited in what they can do with certain elements, and GS's two cards (Apple Card and the GM card) have been financial disasters for GS, which means that more time is being spent on 'stopping the bleeding' rather than improving the card.
The fact that almost any chargeback requires getting the CFPB involved is just one sign that Apple needs a new banking partner.
It's been one-click cancel for me for awhile. But maybe because I'm in California. I think CA has a law (that most don't follow) that requires companies to offer online cancelling.
I recently signed up for the $1/week for a year.
Edit - @sw1tcher beat me to it.
I refuse to give my $ to companies that make me call to cancel. (If I can help it). Agreed 100%.
Right. I've been self-employed for 20-plus years. I use an accounting firm to prepare my taxes and provide guidance such as how much to pay each quarter in estimated income taxes and how much I can contribute to my SEP and Roth IRAs. Every January, I send my accountant a Word doc with a bulleted list of business income, business expenses and everything else he needs to do my taxes. I have a call once or twice a year with my Edward Jones adviser to review my portfolio and goals. It all works fine for me, to the point that I just don't see a need to explore what Apple or anyone else can provide.
I also have enough cards. My AMEX and Citi already have a lot of great promos, such as $50 back on Aveda or Mack Weldon purchases, or 5% back on Sam's Club purchases. I just logged into my AMEX Blue Cash account, and there are 100 such partner promos, which is a typical amount.
Self employed for 15+ years here.
We were doing work-from-home before it was cool, dammit.Agreed about cards; I have three right now and even that feels like: why do I have three? I only really use two, and try to aggressively see-saw purchases between them based on various points/cash back benefits. But managing that for more than a couple cards starts to feel like work and I have enough real work to do.
despite apple giving me the highest credit limit i have from all my other cards, i still barely use it, the incentives are just not really there.
Yeah, that’ll do it…
I wonder if this is was proposed by WSJ or Apple? I suspect it was WSJ. Apple could easily give away 3 months of Apple Music or Apple TV. WSJ is a weird offering.
I wonder if this is was proposed by WSJ or Apple? I suspect it was WSJ. Apple could easily give away 3 months of Apple Music or Apple TV. WSJ is a weird offering.
Wow...a one year subscription for a newspaper I never read and the few times I do read it I use Archivers to bypass the subscription.
Plus here's the bigger problem: I already got an Apple Card lmao.
Plus here's the bigger problem: I already got an Apple Card lmao.
Yea it's great to manage on an Apple Device but lacks otherwise. You can only pay and see the balance/limit, but no transactions.
Lol. Just what I wish I'd gotten when I signed up. Something I'd never look at, even while sitting on the toilet. But I'm sure someone cares... there is always at least one.
Wonder if you can get the actual paper version. Then you could use it while on the toilet
I am a little out of the loop here, but what's wrong with the WSJ? I happen to love Joanna Stern.
You already get 3% cash back on Apple products, even when spreading out payments with 0% interest. There have been periods when Apple doubled the cash back to 6%, too.
Last edited:
"The subscription plan automatically renews for $38.99 per month after the first year's promotional price until cancelled.."
The WSJ currently has a promo for $4/m for its digital subscription for 1 year.
Cancelling the subscription is a pain because it can not be done online as you must call the customer service line to talk to a rep who will persuade you to stay on.
There are credit cards that have better offerings available. The Apple Card is meant for diehard Apple users who buy lots of Apple merchandise.
The WSJ currently has a promo for $4/m for its digital subscription for 1 year.
Cancelling the subscription is a pain because it can not be done online as you must call the customer service line to talk to a rep who will persuade you to stay on.
There are credit cards that have better offerings available. The Apple Card is meant for diehard Apple users who buy lots of Apple merchandise.
Last edited by a moderator:
I enjoyed it when I had the $4/month promo subscription. But I let that expire when I got an Apple News+ subscription because although it doesn't have every article from every WSJ issue, it has enough for what I need. Plus, when the WSJ (or the NYT or the WaPo or whoever) breaks a story, multiple other outlets (e.g., the AP) typically provide their own, mostly duplicate coverage in a few hours. So it's not like you're out of the loop if you don't subscribe to _____.
I suspect that a lot of the full-price subs are organizations, like my accountant, who has a couple of copies sitting in the waiting area.
Same here! Whenever I need to buy something or book a hotel room, I check to see which card has the best promo for that retailer, hotelier, etc.Self employed for 15+ years here.
Agreed about cards; I have three right now and even that feels like: why do I have three? I only really use two, and try to aggressively see-saw purchases between them based on various points/cash back benefits. But managing that for more than a couple cards starts to feel like work and I have enough real work to do.
Costco keeps trying to get me to sign up for their Visa. But I don't need another card.
That's good to know they have that now. I've never been through such an ordeal in my life trying to cancel a subscription. It was truly awful.
Meanwhile gen z is saying “wtf is amex, citi, and who tf is edward Jones?”
Apple is always focused on the younger generation. Apple Card doesn’t make sense for older people, everything about it is geared to a newer generation. For me it’s just an ok card, but if you have kids, it’s an incredible and easily managed card for them.
My child had their physical card stolen last month and within a minute of the thief spending $3000 at target. Click on the map information for the transaction in real time to laugh. Then message apple on iMessage to shut off the card and have a replacement sent.
Crazy the Apple Card is still only US and no other countries