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I am that person. The AppleCard gives you the ability to add it to the rotation.

We both know 5% cards and the categories offered are few and far between and have almost no benefit besides the few 5% categories. You can't get 4% on "average" unless you buy almost nothing and only buy 5% rewarded stuff (hugely limited and capped). You may be able to get something close to 2.5% on average. The best of the best rewards are 3% on travel, dining, and have no limits. The higher than 3% rewards are more limited scope and almost always have a cap, such as the Freedom 5% categories (limited to $1500).

I have a Chase Reserve, Freedom, and Freedom Unlimited. The Apple Card fits in by offering 2% on Apple Pay and 3% at Apple, now Walgreens. It will only get better as more users have the card. They want to drive transactions.

Just an FYI, you can get multiple Freedom cards by signing up for other Chase cards and then contacting them to product change them into Freedom cards. Between my wife and I we have 4 Freedom cards. Useful for those times when you can really max out a category.
 
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.”

I think that’s the main source of confusion. Even with AppleCard as my default in ApplePay, it doesn’t show up as an option under iCloud payment methods. I’ve assumed that’s something they’ll add later in the OS.

Is it possible you see AppleCard because you typed in its credit card number?
 
This is pretty cool! More of a reason for people to get Apple Card. Best diversification a company has ever done.
 
I think that’s the main source of confusion. Even with AppleCard as my default in ApplePay, it doesn’t show up as an option under iCloud payment methods. I’ve assumed that’s something they’ll add later in the OS.

Is it possible you see AppleCard because you typed in its credit card number?
I have yet to type in the credit card number at all. The only time I typed it in was to input my payment option for a concert ticket purchase. Other than that, Apple Card shows up as a payment option for online orders, and it automatically pops up for Apple Pay because it is the default.

I don’t use iCloud storage other than the 5 GB so I can’t be 100% sure that the problem is. I do apologize.
 
Nice, seems like this is expanding. Excited for all the haters to come in and crap all over this and tell us all the reasons their card is better.
No reason why one can’t just use multiple cards and pick the one which provides the maximum benefit in the moment. Use Citi 2% cash back at times when Apple Card would give you 1%, use Apple Card with Apple Pay (2%) and obviously with anything you buy from Apple to get that nice 3% back.
 
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