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I know the standard reply of the many is to point out another card that offers better rewards. I have some of those cards myself, but none of mine offer direct cash back daily. Are there any cards out there that offer that other than the Apple Card?

Funny thing about these people is they aren't honest either. Mostly they will list anything that will make their cards look much better but conceal things that will make it lesser. I had talked with one that boasted his card offered 4% cash back but he didn't say that 4% cash back is from certain categories that will be rotated every 3 months and will be 4% cash back only for a certain amount of purchases. After that it'll be back to only 1%. And he has to learn and remember all this complex details himself. He also told me his card has no fee when in fact it has late fee, foreign rate fee etc. What he meant of "no fee" is only no annual fee.

It's kind of amusing really seeing all these people get worked up for a credit card and has to hide some truth to just discredit it.
 
How does the Apple Card earn rate fit in w/ your Chase Trifecta? With the CSR multiplier the floor value for points earned on each card's categories are 7.5% (freedom), 2.25% (CFU), 4.5% (CSR).

Is the extra .75% earned on Apple/Uber/Walgreens enough to take the spend that could go on CFU? If you're a big spender with those merchants I could totally see it.
Honestly, the Chase points are more valuable than anything I could get at Apple. I only got Apple Card for purchases in a pinch. If at all possible, I try to use the Chase cards everywhere because I have the trifecta. In theory, I will use the 3% at Walgreens, Apple.com and the 2% on rare occasions with Apple Pay. I only get 1.5% on the Freedom unlimited, so 2% with Apple Pay if it's not dining or travel (since I get 3% on that with Reserve) is probably not a bad choice, although you're right the point has a 1.5X value if redeemed at Chase.

I've found the Chase points to be far more valuable than cash. I can fly roundtrip to Tokyo for 60,000 points and the cash value of that ticket is consistently $2,200. That means if I spend $20,000 in travel/dining, I get something worth $2,200, or an 11% payback. Downside here is I have to go to Japan and spend a lot more money, so cash back is still appealing. It’s just cash with Apple.
 
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The BofA Cash Rewards Visa shows the rewards as dollars (not points), just like Apple Card.

If you do not set up Apple Pay (like me), the Apple Card cash rewards accumulate until you manually apply them as a credit to your Apple Card balance due. This works the same as the BofA card.

My brokerage Visa automatically deposits the cash back rewards to my primary brokerage account but I think there's a minimum amount like $50. That's fine, it's not like I can invest in much with 24 cents.
Good to know. The Apple Card isn't perfect but the laziness in me enjoys the convenience. I'm paying more attention to points now with my other cards and taking advantage of my Chase Visa's rotating categories, but even they are annoying. Why should I have to click anything to join that? Just apply it to my card.
 
Home Depot needs to take ApplePay. One of the few big stores I go to that doesn't take contactless payment.
SERIOUSLY!
What irks me, though, is that it doesn't look like it's happening. All of the self-checkouts are being re-done in phases in the locations near me, and the new ones still don't have contactless payments.
 
The article says the card has 3% cashback on payments for icloud storage. Has anyone actually gotten that to work?

To pay for iCloud storage, it looks like I need to enter the card by #, which I'd expect to result in 1% cashback.
Assuming you are using Apple Pay, under “Wallet & Apple Pay” in settings, scroll down to Transactions Defaults, first tab should say Default Card, Tap it and selected Apple Card as the default. Somewhere it will ask if you would like to use Apple Card for all Apple transactions (or something like that), enable it if the prompt ever comes up.

When you enable it, Apple Card will be used for all Apple services and transactions. The category that it will fall under is “Apple Services” like iCloud storage, thus automatically get 3% cash back. The same applies for Apple purchases in-store, iTunes, App Store, or any retailer/service that falls under the 3% category. Hope this helps!
 
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I've always loved that Walgreens' rewards card works with the same contactless hardware as Apple Pay, (I don't know why more merchants don't do this) but 3% back on 5% to 10% higher prices doesn't make sense. They have nothing I can't get for less at Target or my grocery store. Even CVS sometimes has better prices.
 
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I know the standard reply of the many is to point out another card that offers better rewards. I have some of those cards myself, but none of mine offer direct cash back daily. Are there any cards out there that offer that other than the Apple Card?

The Capital One Savor Card calculates the cash back after each transaction rather than at the end of the billing period like most cards. I use it because its 4% cash back on dining.
 
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Assuming you are using Apple Pay, under “Wallet & Apple Pay” in settings, scroll down to Transactions Defaults, first tab should say Default Card, Tap it and selected Apple Card as the default. Somewhere it will ask if you would like to use Apple Card for all Apple transactions (or something like that), enable it if the prompt ever comes up.

When you enable it, Apple Card will be used for all Apple services and transactions. The category that it will fall under is “Apple Services” like iCloud storage, thus automatically get 3% cash back. The same applies for Apple purchases in-store, iTunes, App Store, or any retailer/service that falls under the 3% category. Hope this helps!

Yep - Apple Card is my default for Apple Pay.
So were you able to add Apple Card as a payment under Settings/Apple ID/Payments & Shipping, without needing to enter the card #?
 
Yep - Apple Card is my default for Apple Pay.
So were you able to add Apple Card as a payment under Settings/Apple ID/Payments & Shipping, without needing to enter the card #?
That is correct. As long as Apple Card is the default, you do not need to enter any more information. If you are purchasing something online from a vendor that doesn’t accept Apple Pay, Apple Card will show up as an option to pay, though you will only get 1%.
 
3% should be standard on all purchases, maybe 5% at the Apple Store.
No card does 3% on all purchases. You can’t just throw out random numbers and act like Apple is shorting you.

2% cash on all the places ApplePay is taken and 3% at Apple and Walgreens are among industry leading rewards, all with no fees or points to manage or get devalued.
 
That is correct. As long as Apple Card is the default, you do not need to enter any more information. If you are purchasing something online from a vendor that doesn’t accept Apple Pay, Apple Card will show up as an option to pay, though you will only get 1%.
But in the case of changing my iCloud storage away from the current credit card... I don't see any way to pick ApplePay. In "Payments & Shipping", I can specify a new payment method as Paypal, or a new credit card by #. Do you have an alternate way to have iCloud bill to applePay?
 
Given that they were reluctant to accept Apple Pay until recently it may take a while. I’m glad that Walgreens will receive 3% as I will now be shipping from there.
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What I usually do, I check with Maps to see if a retailer accepts Apple Pay or not. If they do, I will frequently visit, if not, then they don’t have my business. Simple as that.

How do you do that? I just looked in maps & didn't see that option....is there something specific I have to do?
 
How do you do that? I just looked in maps & didn't see that option....is there something specific I have to do?
Nope! Take Starbucks for example. They readily accept Apple Pay. If you go to Maps, search for a Starbucks, click on the round icon, then it will display directions (as usual) as well as any useful information such as hours, address, phone number, website. There will be a small header that says “useful to know” and on that same line, it will display a contactless indicator and Apple Pay logo.

If you search for your regular retailers in your area using the same method, then you can determine which businesses accept Apple Pay.
 
But in the case of changing my iCloud storage away from the current credit card... I don't see any way to pick ApplePay. In "Payments & Shipping", I can specify a new payment method as Paypal, or a new credit card by #. Do you have an alternate way to have iCloud bill to applePay?

I’m not sure if I’m reading it correctly. You do not authenticate Apple Pay per say, as in double clicking the side button/home button. If you’re talking about the “Add Payment Method” under the second picture, then no, Apple Card should already be an option under “Payment methods.” To add Apple Card as the default, go to your Apple ID >Payment & Shipping> Log In (if necessary). On that page, tap the “Edit” button, then using the 3 horizontal bars that shows up on the right side, drag to move Apple Card to the very top of your payment methods then tap “Done.”

To confirm that Apple Card is your default payment method, go to Settings>Wallet & Apple Pay, under Transaction Defaults, default card should say Apple Card, as in the first picture. From here, the next scheduled payment for iCloud storage will automatically be charged with Apple Card.

Hopefully this is clearer!
 

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Funny thing about these people is they aren't honest either. Mostly they will list anything that will make their cards look much better but conceal things that will make it lesser. I had talked with one that boasted his card offered 4% cash back but he didn't say that 4% cash back is from certain categories that will be rotated every 3 months and will be 4% cash back only for a certain amount of purchases. After that it'll be back to only 1%. And he has to learn and remember all this complex details himself. He also told me his card has no fee when in fact it has late fee, foreign rate fee etc. What he meant of "no fee" is only no annual fee.

It's kind of amusing really seeing all these people get worked up for a credit card and has to hide some truth to just discredit it.

You took the words right out of my mouth. It’s nice to see some sane people on this forum.
 
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Cashier: "Woooahhh... this is the first time I have seen this card! Never held one before."

Priceless.
Not at Walgreens as you run the card yourself and you should be using Apple Pay.
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SERIOUSLY!
What irks me, though, is that it doesn't look like it's happening. All of the self-checkouts are being re-done in phases in the locations near me, and the new ones still don't have contactless payments.
They’re just Ingenico iSC250s found everywhere in the US, Canada and Australia. Home Depot just needs to enable the thing.
 
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How do you do that? I just looked in maps & didn't see that option....is there something specific I have to do?

This may be an iOS 13 feature, but you can also search with the words "apple pay", e.g. "groceries apple pay". You can also ask Siri for directions to somewhere "with apple pay".

Keep in mind too that, as typical with Apple Maps POIs, it's rather inaccurate. For example, the local grocery store is listed as Apple Pay, even though they don't take it. As far as I can tell, it's confused because there's a lottery vending machine on premises that accepts contactless. Similarly, some gas stations take Apple Pay inside, but not at the pump.

If I spend $20 on a half dozen oysters and a $150 bottle of champagne, it looks the same to the credit card company as if I dined with three pals, we each have $30 entrees and shared a $50 bottle of wine. Or if we shared one $10 appetizer and did four $10 shots each.

The card issuer doesn't get anything another than the fact that we spent X dollars at Y establishment.

And that's valuable data in itself. Person A likes blowing $200 at one time at fancy restaurants is then sold to send you ads about expensive watches, colognes, luxury cars, etc. If you repeat this over many cities, they'll conclude you're a business traveler. Get ready for airline ads.

Plus, they made you log into their website to claim your credit card offer. Now they know your IP, so your online ads and TV streaming ads will now have fancy watches and hotels.
 
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