Apple Card Rolling Out Today to Limited Number of Customers


blueracer

macrumors regular
Dec 30, 2010
233
113
Sunnyside, New York
iKnow! This isn't the first card to offer rewards, or cash back. There are other cards that have better rewards. This isn't even the first card made of metal.
Yes, it does have a decent rewards program. Not mind blowing. But, this excitement level...o_O
Also, applying for the card will cause your credit score to drop. Even if you're approved.
To those who disagree...you're absolutely right!

it's typical for your credit score to drop a bit when applying, we all know this. but it doesn't last for long.
 
  • Like
Reactions: MisterSavage

tridley68

macrumors 6502a
Aug 28, 2014
796
787

newyorksole

macrumors 68040
Apr 2, 2008
3,590
3,259
New York.
Especially a particularly average one.

Everyone here would be better suited applying for Chase Sapphire or one of those other mega cards.
Hmmm maybe people already have the CSR and want the Apple Card as well because...

1. It’s not going to kill them.
2. It’s their decision.
3. The features of the card are unique/cool enough to entice.
4. It’s Apple.

Again... I don’t understand the people who are so against this card.
 

centauratlas

macrumors 65816
Jan 29, 2003
1,089
1,413
Florida
Pass. There is no compelling reason for me to bite on the :apple:Card, as my Citi DoubleCash card (which is a MasterCard WorldElite card) gives me 2% cash back for *everything*.
The advantage of the Apple Card is 3% on Apple items so that is an extra 1% over the Citi DoubleCash card. I'll use the Apple Card for Apple stuff and get a bit of an extra percent.

I, too, liked the DoubleCash but just switched (May 2019) to the Bank of America rewards card which is 2.625% on everything and up to 5.25% on some things (travel, food etc). For things like estimated tax payments (or anything else) which has a 1.89%-2% convenience fee, that extra .625%+ makes a nice bonus.
 
Last edited:
  • Like
Reactions: NetMage

AustinIllini

macrumors demi-goddess
Oct 20, 2011
10,770
7,379
Austin, TX
Hmmm maybe people already have the CSR and want the Apple Card as well because...

1. It’s not going to kill them.
2. It’s their decision.
3. The features of the card are unique/cool enough to entice.
4. It’s Apple.

Again... I don’t understand the people who are so against this card.
These are some terrible selling points
 
  • Like
Reactions: PC_tech

newyorksole

macrumors 68040
Apr 2, 2008
3,590
3,259
New York.
These are some terrible selling points
Lmaooo ok then it’s not for you. Do you say the same to someone who wants to eat a Big Mac when they can buy cheap ingredients for a salad instead? People buy/use what they want even if there’s something “better” out there. Deal with it.

I just don’t understand your thought process. People can do whatever they want.
 
  • Like
Reactions: NetMage

blueracer

macrumors regular
Dec 30, 2010
233
113
Sunnyside, New York
lord. why are there so many people here still beating it into us that there are better cards out there? hey, we already know this. we know about the citicash rewards card, we know about the extra year warranty on cards like the chase saphire card, we. know. these. things.

so why the hell are you beating it into us? people like myself, dont give a rats @$$ about that. i'm not one of those credit card owners that does all this research to find the credit card that gives me THE MOST cashback or the most miles evar! i'm pretty simple, i have a credit score over 800, and i love my apple ecosystem. I already have a credit card with my bank, i have a great high credit limit with them since i've had the card since 2001. Will i be closing that card for the apple card? hell no. even with my great credit score, they aren't going to give me the same credit limit that i have with my bank.

this card is getting so much hate from the 'credit card god users' out here and for what? how are you benefiting from said attacks on the apple card? this card will be used by many, this card will be appreciated by many, this card will help many with their credit. just like your cards did for you. so why are you crying over who gets this card?

this card has been bashed so hard by so many on youtube and on here, but really, when you think about it this a perfect starter card. for who? i'm so glad you asked. those entering college! because teens are dumb pricks who dont understand how a credit card works even AFTER you explain it to them. they are trying to maintain a social life whilst learning how to maneuver around college and learn how to balance their credit. with all that, you know they'll be late with making payments and look at that, no late fees! college students who own an iphone should and probably will be eating up this card if they know about all the bonuses they will be getting.

the extras that draw college students, or heck, even high school students whose parents want them to learn and build credit are huge. no late fees, for the average white guy, which i'm sure they must come from money right? so they travel a lot with their fam, boom! no foreign transaction fees. another bonus when they decide to go to a family vacay to europe or south africa or japan. dem white boys, so rich >.>

but those perks also interest people like me, i've been traveling a lot more. i've been to Japan and Canada in about a years time and i'm returning back to japan this upcoming february. so the apple card will be used heavily there for me. no foreign transaction fees! mind you, my banks credit card already gave me that, so why is apple card better in this reguard? well because i get same day cash back for every single time i use apple pay. another perk for people like me, and for the teens in high school and college. sure it's cents, pennies. but that balance remains in your apple cash wallet. with it there you can send it to friends whom you owe money to, or you can transfer that balance to your bank account or help pay a little bit of your credit card balance. with ease!

the other bonus i just thought up of is how to pay the card. say your a citibank user, you have a citibank checking account, but you have a bank of america credit card, because you like their perks (i know it doesn't make sense but just listen). how do you typically pay your bank of america credit card with your citibank checking account? well you have to set it up via billpay right? enter the routing and checking number on your credit card payment section, twice, enter your name, confirm it all etc. well with apple card, those steps are pretty much done for you if you've been using apple cash for some time now. why? it already has your checking account info, so when you pay your apple card balance, you just choose your bank account to transfer funds from when you pay. theres a video on it at apple's youtube page and that is so much easier to pay the card off.

i could probably keep going a bit more but i'll stop here. this is why we want the card. hearing you guys keep throwing in our faces how citi or chase are better for rewards, is kinda dumb and annoying. we dont really care about those things too much. we love the daily cashback, the ease of making payments, the fact that we can see how much interest is being paid when we select how much we want to pay each week or each month, the security of the card having no credit card numbers on the back of the physical card, the disposable credit card numbers we can generate at will, the integration of apple maps with where we made said purchases, etc. this is why we want the apple card, so please, shut the front door already about how your card is better. your just annoying as frak.

jesus.

signed,

by everyone who doesn't care about YOUR card.
 

Dov.sakinis

macrumors newbie
Aug 6, 2019
9
17
He said he never got an invite and just clicked the plus button LOL
I have the same screen available on my ios 13 beta but then if you press to add Apple Card, they tell you that it is not yet available and they will notify with push notification. So kind of false alarm lol
 

LS3 POWER

macrumors 65816
Apr 10, 2015
1,351
708
Charlotte, NC
Anyone know which bureau they pull from (I will need to unlock before apply assuming I eve get an invite)
Transunion. I am waiting to unfreeze mine as well
[doublepost=1565101652][/doublepost]
I have the same screen available on my ios 13 beta but then if you press to add Apple Card, they tell you that it is not yet available and they will notify with push notification. So kind of false alarm lol
My iOS13 if I click the + sign takes me to the add card screen but then the take a pic of the car screen, I have no Apple Card choice. So it seems at some point those of us on iOS13 will get the ability I am glad to see
 

Dov.sakinis

macrumors newbie
Aug 6, 2019
9
17
Transunion. I am waiting to unfreeze mine as well
[doublepost=1565101652][/doublepost]

My iOS13 if I click the + sign takes me to the add card screen but then the take a pic of the car screen, I have no Apple Card choice. So it seems at some point those of us on iOS13 will get the ability I am glad to see
Same for me, click on continue.. still no option?