But
Card has only 1% on most items.But how much Apple stuff do we typical consumers buy, really, to make an occasional Apple 2-3% worthwhile of opening & managing another card?
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Apple Card Rolling Out Today to Limited Number of Customers
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Card has only 1% on most items.But how much Apple stuff do we typical consumers buy, really, to make an occasional Apple 2-3% worthwhile of opening & managing another card?
Yooo listen. These Apple Card threads are filled with people that “don’t care” and think it’s “stupid” lmaooo it blows my mind. It really does.
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What if someone only has 1 credit card? Is adding the Apple Card really going to have a dramatic negative effect?
I’m genuinely curious why some of you are so against the card and why you can’t fathom why someone would want one? Even if it’s just “because it’s Apple” whoooo caressss.
Let people live their lives. Holyyyy s***.
My credit score is over 800 and I still can't justify ditching my Citi, 3% cash back card for this pretty Apple card.
Trust me, I'm a 100% Apple loyalist but I still need to have some sort of justification in terms of a particular Apple product. This Apple credit card gives me zero justification.
Trust me, I'm a 100% Apple loyalist but I still need to have some sort of justification in terms of a particular Apple product. This Apple credit card gives me zero justification.
It's funny, since this story broke not one person has said they have gotten an invite. If this was actually live we would have some saying something.
This might be like the Airpower, lol... Too many charges in close proximity and it overheated the device and caused it to shut off.
This might be like the Airpower, lol... Too many charges in close proximity and it overheated the device and caused it to shut off.
Which Citi is 3%? Also, you wouldn’t want to ditch your Citi, closing it could hurt your credit score. And for some, the security and privacy is the only justification they need. But really there’s no requirement for you to apply; if you don’t want it, don’t get it ¯\_(ツ)_/¯
But
But how much Apple stuff do we typical consumers buy, really, to make an occasional Apple 2-3% worthwhile of opening & managing another card?
It’s really not that hard to manage if you use it exclusively for Apple store purchases and maybe Apple Pay for very specific use cases. Both cases don’t require you to carry the card
What could work is you can get friends and family Apple discounts plus the 3%. That’s my plan at the moment
Because it's not *a* credit card, it's *THEEE* Credit Card!
I won't use this card for even my own Apple purchases since it has no warranty extension coverage built in. For an extra year at no cost seems a no brainer TBH. Even for the 3% cash back. It's only a % less than my current card to the return isn't that great.
Can you link to something verifying no supplemental coverage? I’ve seen this claim a few times but nobody’s backed it up yet. Goldman’s T&C points to MC for supplemental coverage.
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according to the articles, yes, you can create a credit card number use it once and dispose of it. at the moment, i didn't see a video on Apple's youtube channel yet on how to do that, but supposedly you can.
Has anyone here gotten an invite yet? I did sign up to be notified when it comes live, but i haven't gotten any notification as of yet for me to apply. i hope soon.
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and the fact that there is no late payment fees, or foreign transaction fees.
Right now, the key argument seems to be in pitting the rewards from Apple Card against other existing cards. While this would be one factor, it seems foolhardy to make this the only determining factor.
In a way, it kinda reminds me of how so many people here were dismissing the AirPods based on sound quality alone, while it would proceed to take off thanks to other benefits such as form factor and ease of use. In the end, the one factor most people thought should have been the key driving factor in what made or broke a pair of headphones turned out to not be so important after all. Meanwhile, the factors they so casually dismissed (like the design) would go on to be the key reason why the AirPods are selling like hotcakes.
Who is to say that there won't be people willing to give up a little bit of monetary benefit in exchange for the other benefits of the Apple Card, from the improved UI to a more flexible cash-back policy to the emotional appeal of being all-in on the Apple ecosystem? I can't distill the value of using an Apple-backed credit card for a die-hard Apple fan into a numerical value the same way I do a cost-benefit analysis of the rewards that one credit card offers vs another, but that doesn't mean that there isn't any (value).
And if I decide that I value this intangible benefit over an additional 1 or 2% cash back, who is to say that I am wrong?
To each their own, and I do say this again - one underestimates Apple to their own detriment.
In a way, it kinda reminds me of how so many people here were dismissing the AirPods based on sound quality alone, while it would proceed to take off thanks to other benefits such as form factor and ease of use. In the end, the one factor most people thought should have been the key driving factor in what made or broke a pair of headphones turned out to not be so important after all. Meanwhile, the factors they so casually dismissed (like the design) would go on to be the key reason why the AirPods are selling like hotcakes.
Who is to say that there won't be people willing to give up a little bit of monetary benefit in exchange for the other benefits of the Apple Card, from the improved UI to a more flexible cash-back policy to the emotional appeal of being all-in on the Apple ecosystem? I can't distill the value of using an Apple-backed credit card for a die-hard Apple fan into a numerical value the same way I do a cost-benefit analysis of the rewards that one credit card offers vs another, but that doesn't mean that there isn't any (value).
And if I decide that I value this intangible benefit over an additional 1 or 2% cash back, who is to say that I am wrong?
To each their own, and I do say this again - one underestimates Apple to their own detriment.
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In some markets, like Switzerland, also formerly UK and Australia, still somewhat DE and AT, the banking cartels have conspired to block Apple Pay. This card is as much an end run around that collusion as it is the point of a slow entry into consumer banking in those markets by Goldman Sachs. LoL, the Kartells while soaking customers on annual fees, and fees for using, tried to keep Apple from getting a 0.15% fee for Apple Pay, and build up their own clunky systems, that in the end they will be disrupted by a new entrant into their finance markets. Serves them right, and the customers will be better served.
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I posted elsewhere a small overview of my comparative thoughts on cards in those places.
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Can you link to something verifying no supplemental coverage? I’ve seen this claim a few times but nobody’s backed it up yet. Goldman’s T&C points to MC for supplemental coverage.[/QUOTE]
I've looked and haven't found anything indicating they do provide the warranty coverage. So it's not a burden of proof that it doesn't have it, but rather if it does... I'll ask the customer support person in the app like Apple shows once you have it running and can verify, plus I'm sure they are req'd to send you the standard mailing or emailing upon approval.
And still, no 0% apr is kinda a downer. Will be interested to see how this goes. I'm guessing this'll be like the original iPhone with Cingular. It then worked its way to others later on. I don't expect this to be exclusive long term in what the card can do, maybe for a year or so. Apple is just trying to get their system up and used by more in order to sell hardware and services that accompany that hardware. This aids that process.
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Can you link to something verifying no supplemental coverage? I’ve seen this claim a few times but nobody’s backed it up yet. Goldman’s T&C points to MC for supplemental coverage.[/QUOTE]
I've looked and haven't found anything indicating they do provide the warranty coverage. So it's not a burden of proof that it doesn't have it, but rather if it does... I'll ask the customer support person in the app like Apple shows once you have it running and can verify, plus I'm sure they are req'd to send you the standard mailing or emailing upon approval.
And still, no 0% apr is kinda a downer. Will be interested to see how this goes. I'm guessing this'll be like the original iPhone with Cingular. It then worked its way to others later on. I don't expect this to be exclusive long term in what the card can do, maybe for a year or so. Apple is just trying to get their system up and used by more in order to sell hardware and services that accompany that hardware. This aids that process.
So how do you use this card online (from a computer not iPhone) at somewhere the doesn't accept Apple Pay... like Amazon?
First person to get the invite email and post true confirmation here gets 50 likes.
Unicorn!
Also, you can use with things like amazon by going into the app and holding down to copy the card number and paste into the other app. The tutorial videos on apple's site show this.
LOL, 50 likes is even less rewards than the Apple Card offers
perhaps they had filtered out anyone who has a macrumors account???
Do you get any type of points or rewards? That's a huge selling feature of other credit cards. My Amazon prime card is awesome in this regard as I get $50 a month or so to spend just for using it. Since I pay it off every month I don't pay any fees or interest at all anyway.
Apple might have a much nicer app or interface, but the other credit cards will copy that in a heartbeat.
Apple might have a much nicer app or interface, but the other credit cards will copy that in a heartbeat.
I believe you use the wallet app on your phone to generate a "one time" credit card number. Refunds could be a bit of a hassle.