Apple sure gets a lot of good ratings from JD Power. I'm really not that impressed with Apple Card. Apple Store order IDs should be on the statement. Even Amazon's chase card does this. C'mon. And their customer service is a bit wanting... although texting for support is pretty cool but that doesn't solve the problem of incompetence on the other end in some of my cases.
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Apple Card Ranked Top for Customer Satisfaction by J.D. Power
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You get $120 annual dining credit and $120 in Ubercash. That's $240. So if you are the type of person who uses $10 a month in Uber rides or spends at least $120, it's only $10 for the annual card with a lot of potential benefits
The Apple card doesn't have much perks other than cash back.
Presumably there are referring to the card experience and not the support experience. That card an integration with the iPhone and Apple Pay is of course wonderful and that gets top ranks. But any time there is an issue and you have to contract Goldman Sacks, it's been the worst experience I've ever had worse than comcast. Luckily have only had a handful of issues so stuck with it like with Comcast, I rarely have to deal with support, so I stick with it, but god would give anything for the card to be supported by Apple or another provider.
I had to pay $250 fee, yes, but I've received and used almost $2,400 in travel points for various trips this year. So for me personally it was a good trade off. I know it isn't for everyone.
It will never come to the UK. We have proper financial regulations which make the credit card issuer liable for fraud. Apple only sells Apple Card in regions where it doesn’t need to take any responsibility.
I was surprised that anyone topped Navy Federal Credit Union.
The answer is that nobody did - JD Power did score NFCU (giving them 866, beating Apple Card's 864), but then said that NFCU is excluded from the ranking because they "didn't meet the study award criteria".
If you can get an NFCU account, absolutely get one. Anyone in any US armed service can sign up to have an NFCU account, and anyone who is a member can invite anyone they cohabitate with to be a member (being related isn't required - all that's needed is a shared address. Roommates are fine.)
So, IE, my dad was in the navy so he was a member, as a child I lived with him so I became a member, and then my roommate and my wife both became members via me. So despite the name saying Navy, a lot more people than just people in the Navy end up being members.
The answer is that nobody did - JD Power did score NFCU (giving them 866, beating Apple Card's 864), but then said that NFCU is excluded from the ranking because they "didn't meet the study award criteria".
If you can get an NFCU account, absolutely get one. Anyone in any US armed service can sign up to have an NFCU account, and anyone who is a member can invite anyone they cohabitate with to be a member (being related isn't required - all that's needed is a shared address. Roommates are fine.)
So, IE, my dad was in the navy so he was a member, as a child I lived with him so I became a member, and then my roommate and my wife both became members via me. So despite the name saying Navy, a lot more people than just people in the Navy end up being members.
I'm finding that the 3% cash back really adds up. I use it as a hefty discount when I want to purchase an Apple product (since buying an Apple product helps to quickly replenish the amount I have available).
In other news… Ted Lasso has won the award for Greatest Show That Ever Existed*
*for Shows That Are Exclusive To Apple TV+ And Feature An International Cast And Are Sitcoms Based On A Fish Out Of Water Tale Pertaining To A Sports Team Which Competes In A Non-Franchise League System
*for Shows That Are Exclusive To Apple TV+ And Feature An International Cast And Are Sitcoms Based On A Fish Out Of Water Tale Pertaining To A Sports Team Which Competes In A Non-Franchise League System
Can you give more information on this?
My understanding was that the bank Apple partnered with (Goldman Sachs) would shoulder all the ‘banking stuff’, while Apple design the service & UI and integrate it with their other products.
This is a great example of seeing past the tip of your nose. it's so easy to point fingers at the Apple Card for it's lackluster perks vs. other cards... but in reality the average person just wants something that's simple to manage and understand the fees etc. I love my Amazon Prime card and churn all my purchasing through it - the Chase app is just NOT good. If all apps functioned like "wallet" it would be great.
The systems in Europe and other countries are much more sane that what we have in the US. Yes, there are cards with seemingly high cashback and other benefits, but we all pay for it with insanely high merchant fees. In Europe they are capped, that's why you don't see cards like in the US there.
You're not missing much. I have yet to meet anyone who really uses that. If you want to use it to send money to friends etc. the problem is that there's always someone who uses Android, so you always have to have an alternative ready. But then why use Apple Cash in the first place?
AppleCard has been great for the commoner as myself. I use it for everyday purchases to earn cashback and few low end non essential bills like streaming services. And Gas for commute. So for me it's perfect. I'm not in a position in life to regularly travel so those benefits are of no use to me. I feel this card perfectly fits use case as someone like me.
IMHO, AMEX is second to none and every lender should try to emulate minus the annual fees.
Personally I'm not a big fan of Amex, but they are the top rated national card issuer according to the JD Power link in the article. The Apple card is only top among smaller issuers.
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Goldman Sachs is the card issuer, not Apple; only banks or other financial institutions can issue credit cards typically. In the US, card holders have zero fraud liability, with the sole exception of physical loss of card, wherein the card holder is liable for up to $50 (fifty dollars) if charges are made before they report the physical card loss, although most issuers have zero fraud liability for card holders across the board. As most credit card fraud is of stolen account information and not loss of card, US card holders for all intents and purposes have zero fraud liability. So to that end I'm not sure why you think Apple couldn't partner with a bank to release their card in the UK.
In the UK credit card transactions have additional security since they are technically loans rather than the user's own money. For example, if you buy something with a credit card that turns out to be complete garbage, then regardless of the company's refund policy you can claim a refund from the credit card issuer.
Obviously Apple does not want to open itself up to having to support proper purchases. For a start, its own MacBooks with butterfly keyboard would have left them liable to refunds.
I had the exact same experience with the Nomad sale, sometimes it pays to not have the latest stuff...
As far as support goes, just this morning I had a rogue transaction be blocked by them and they contacted me to let me know. A quick number change and everything is great, I love that there is multiple numbers for everything (The physical card, Apple Pay, and the number you see when you enter it manually online). Good experience.
But that's ignoring the bank point I made?
Your assertions are confusing, tbh.
And Apple have previously had to deal with refunds on faulty products given the EU consumer laws (which we used to have access to as EU members), so I'm not sure what you mean here either…
My wife and I are very happy with ours - especially now that we are both co-owners. The integration with Wallet is fantastic.
I would love to see Apple Card have the same perks as the Citi Custom Cash card where you get 5% cash back on your top spend category each month. In its current state, I only use Apple Card for Apple purchases and any time I need a super quick and small Apple pay transaction.
This is somewhat similar to chargebacks in the US, but again, I don't think Apple would be the card issuer in any case; their partnered bank/financial institution would be liable to be the intermediary between card holder and merchant handling these issues, not Apple themselves, so I still don't see a problem here.
Their butterfly keyboard fiasco would have left them liable to refunds through any credit card, though, not just their own.
If you use Apple Card to pay for an Apple-refurbished device, such as https://www.apple.com/shop/product/...pad-pro-wi-fi-128gb-space-gray-4th-generation, do you get cash back? Or just on new devices?