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Chase Sapphire Reserve Card Introduces New Perk for Apple Customers

WarmWinterHat said:
There are plenty of no-fee cards that have cash-back higher than Apple.
Click to expand...
People always say this about the AC with zero proof and it’s very easy to research. As long as you use ApplePay, which is basically in every big city, it’s 2% cash back. No categories/limits and not a statement credit or other nonsense. Money goes straight to your Apple Cash or Apple Savings.

Find me another personal credit card on the market that has 2%, no categories/limits, and actual cash back. You can’t because all the big companies only give statement credit.
 
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Sheepish-Lord said:
People always say this about the AC with zero proof and it’s very easy to research. As long as you use ApplePay, which is basically in every big city, it’s 2% cash back. No categories/limits and not a statement credit or other nonsense. Money goes straight to your Apple Cash or Apple Savings.

Find me another personal credit card on the market that has 2%, no categories/limits, and actual cash back. You can’t because all the big companies only give statement credit.
Click to expand...

The Apple card is an okay card and I have it. I never take statement credits on my cards, however. Here are a couple:

creditcards.wellsfargo.com

Earn Unlimited 2% Cash Rewards

$0 Annual Fee & 0% Intro APR. Our Best Cash Back Credit Card Ever!
creditcards.wellsfargo.com creditcards.wellsfargo.com

2% on everything, no exceptions, including chip/swipe and regular online purchases with the credit card number (unlike Apple). Plenty of categories that increase that number. No annual fee. Statement credit or cash into your checking/savings account or a paper check in the mail. $500 signup bonus

Blue Cash Everyday® Card | American Express

Earn 3% cash back at U.S. Supermarkets, U.S. Gas Stations, and on U.S. Online Retail purchases, on up to $6K in purchases in each category per year. See why the American Express Blue Cash Everyday® Card is the cash back card for you. Terms Apply.
www.americanexpress.com www.americanexpress.com

3% on groceries and fuel, which is about 80% of my spending, 3% at online retail, 1% everything else. I get $7 back on my disney/hulu sub. $200 signup bonus. Statement credit or cash back in your checking/savings.

My go to card is the AMEX Gold, but for different reasons. I care more about some of the other features more than cash back.

Sean0228 said:
The Amex platinum is gonna be $1000 plus. What's your thoughts on that fee going up ?
Click to expand...

Wow, and I complained when it went up for the Gold! Still thinking about moving to the Platinum, though. You like it?
 
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WarmWinterHat said:
The Apple card is an okay card and I have it. I never take statement credits on my cards, however. Here are a couple:

creditcards.wellsfargo.com

Earn Unlimited 2% Cash Rewards

$0 Annual Fee & 0% Intro APR. Our Best Cash Back Credit Card Ever!
creditcards.wellsfargo.com creditcards.wellsfargo.com

2% on everything, no exceptions, including chip/swipe and regular online purchases with the credit card number (unlike Apple). Plenty of categories that increase that number. No annual fee. Statement credit or cash into your checking/savings account or a paper check in the mail. $500 signup bonus

Blue Cash Everyday® Card | American Express

Earn 3% cash back at U.S. Supermarkets, U.S. Gas Stations, and on U.S. Online Retail purchases, on up to $6K in purchases in each category per year. See why the American Express Blue Cash Everyday® Card is the cash back card for you. Terms Apply.
www.americanexpress.com www.americanexpress.com

3% on groceries and fuel, which is about 80% of my spending, 3% at online retail, 1% everything else. I get $7 back on my disney/hulu sub. $200 signup bonus. Statement credit or cash back in your checking/savings.

My go to card is the AMEX Gold, but for different reasons. I care more about some of the other features more than cash back.



Wow, and I complained when it went up for the Gold! Still thinking about moving to the Platinum, though. You like it?
Click to expand...
Wells Fargo - only a $200 bonus and requires you to spend $500 in the first 3 months. Also requires $25 increments to redeem their “cash.’

Amex - I have 4 Amex cards and again it’s category limited and as I also have an AMEX Checking & Savings Account so I know for a fact you can not put it into your savings/checking account.

Again, the flexibility of the AC is unmatched as a flat rate cash back card. No minimum redemption values either. People sleep on the AC cause they don’t read the fine print for other ones out there.
 
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Sheepish-Lord said:
Wells Fargo - only a $200 bonus and requires you to spend $500 in the first 3 months. Also requires $25 increments to redeem their “cash.’

Amex - I have 4 Amex cards and again it’s category limited and as I also have an AMEX Checking & Savings Account so I know for a fact you can not put it into your savings/checking account.

Again, the flexibility of the AC is unmatched as a flat rate cash back card. No minimum redemption values either. People sleep on the AC cause they don’t read the fine print for other ones out there.
Click to expand...

I can spend $500 on a weekend, so that isn't a big deal. So what if you have to hit $25? When I had it, I hit that every month. Additionally, I don't particularly like managing my cards on my phone, and prefer the web on a computer.

Depends on how you use your cards, I guess. I just don't Apple Pay very much, other than at the grocery, so the Apple Card is essentially a 1% card for me. I get 4% with my Amex with groceries.

No one card is good for everything, hence why I have a few for different reasons. Categories are a hassle, yes, but they can also be quite a boon if you pay attention to them.
 
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MacRumors said:


Chase this week announced a series of new perks for its premium Sapphire Reserve credit card, and one of them is for a pair of Apple services.

Chase-Sapphire-Reserve-Apple-Perk-Feature.jpg

Specifically, the credit card now offers complimentary annual subscriptions to Apple TV+ and Apple Music, a value of up to $250 per year.

If you are already paying for Apple TV+ and/or Apple Music directly through Apple, those subscriptions will be automatically suspended and superseded by Chase's complimentary subscriptions during the offer period.

The complimentary subscriptions run through June 22, 2027.

Unfortunately, the perk does not extend to Apple One subscription bundles. If you currently pay for Apple One, you will continue to be charged on a monthly basis while your complimentary Apple TV+ and Apple Music subscriptions from Chase are active, so make sure to cancel that if you plan on taking advantage of the credit card perk.

Alongside the new perks, Chase has raised the annual fee of the Sapphire Reserve from $550 to $795, which effectively offsets the $250 value of the complimentary Apple TV+ and Apple Music subscriptions. However, there is a long list of additional perks, and Chase says the card now offers more than $2,700 in annual value.

Chase is offering new Sapphire Reserve cardholders a welcome bonus of 100,000 points (which can exceed $1,000 in value), as well as a $500 travel credit, after they spend a minimum of $5,000 in the first three months.

Via: The Points Guy

Article Link: Chase Sapphire Reserve Card Introduces New Perk for Apple Customers
Click to expand...
There are a lot of freebies for Apple services offered by various third parties, but none take into consideration Apple One subscriptions. I would love to see Apple have an al a carte subscription- pick the services you want, and pay a single monthly price for them.
 
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WarmWinterHat said:
I can spend $500 on a weekend, so that isn't a big deal. So what if you have to hit $25? When I had it, I hit that every month.

Depends on how you use your cards, I guess. I just don't Apple Pay very much, other than at the grocery, so the Apple Card is essentially a 1% card for me.

Additionally, I don't particularly like managing my cards on my phone, and prefer the web on a computer.
Click to expand...
It’s that it can only be in $25 increments which is absurd and that’s the point I’m trying to make. All these CC companies almost always have the consumer leaving money on the table or not being fully utilized. Want to take out $355 dollars, sorry it’s not in $25 increments.

It’s nonsense, the same way when we had limits on taking money out of savings accounts in the US until COVID hit.
 
Sheepish-Lord said:
It’s that it can only be in $25 increments which is absurd and that’s the point I’m trying to make. All these CC companies almost always have the consumer leaving money on the table or not being fully utilized. Want to take out $355 dollars, sorry it’s not in $25 increments.

It’s nonsense, the same way when we had limits on taking money out of savings accounts in the US until COVID hit.
Click to expand...

If you have $355, you can take it out $350 in one lump. It has to be a multiple of $25. if you do a statement credit (or a wells fargo bank account, which I've never had), you can take out exactly whatever is available, as long as it's above $25.

Anyway, I don't care enough to talk about credit cards anymore. I use what I want, when it's the best for me, and that's usually not the Apple Card. I carry two, my Prime Visa and Amex Gold, and my wife carries her Chase business card. She doesn't use Apple products so we couldn't share it.

Glad to see you are happy with it!
 
I can't believe everybody on here seems to happily pay hundreds in annual fees for their credit card. Do you really get that much benefit?

Most rewards seem like stuff I wouldn't even want unless I was desperately trying to "get my money's worth" out of my credit card fee.
 
Sheepish-Lord said:
People always say this about the AC with zero proof and it’s very easy to research. As long as you use ApplePay, which is basically in every big city, it’s 2% cash back. No categories/limits and not a statement credit or other nonsense. Money goes straight to your Apple Cash or Apple Savings.

Find me another personal credit card on the market that has 2%, no categories/limits, and actual cash back. You can’t because all the big companies only give statement credit.
Click to expand...
This is why I've stuck with AC. Even though some other cards have maybe higher % in different categories and all, its just not worth switching over the simplicity that AC has to me. Just straight 2%, as pretty much everyplace we shop using tap to pay/apple pay. Its nice and easy to use the cashback as well.
The only other card I've had that was a benefit with a yearly fee was our southwest card many years ago. We spent so much on it that I was able to fly for free for like a year that we had so many weddings and trips planned. Now we dont fly very much or have southwest near us so that card is long gone.
 
MallardDuck said:
Called and cancelled my reserve credit card the day they announced it. It's now also $200/year for an authorized user, so the total price is insane for what you get that you would actually use. It's a coupon book for people who use the very specific services they offer, stay at the very specific/expensive/limited hotels, etc.
Click to expand...
My wife has the card and set me up as an authorized user today at the old price. We can also renew her card next year at the old price. After that we are screwed.
It does suck that AppleTV and Apple Music don’t kick in until October. I don’t think most of America has Apple zone, contrary to what may be the norm here. We could give a hoot about AppleTV. We probably would have bought it for one month to watch Ted Lasso. Our daughters are adamant about using Spotify over other services. They will likely have to get over that if we get Apple Music included. I think we are more the norm. AppleTV and Apple Music are not the big wheels in their fields. Not only am I not excited to get them, I’m looking at angry kids if I move over. We are an Apple hardware family, but not sold on their services.
 
I have this card and like the benefits. Unfortunately, like many others, I don't think these new benefits warrant a higher annual fee. Looks like time to downgrade from the Reserve to the Preferred.
 
Since we're all whipping them out: My AAA Visa Signature card has no fee, 5% back on gas and travel, 3% back on groceries and dining, and the APR is low too, if I ever need it (9%). Everything else is 1% back, so I use my Apple Card for any other categories. No fees and no stress.

I have store credit cards for Target (5% off) and Best Buy (5% rewards) as well.
 
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Sheepish-Lord said:
People always say this about the AC with zero proof and it’s very easy to research. As long as you use ApplePay, which is basically in every big city, it’s 2% cash back. No categories/limits and not a statement credit or other nonsense. Money goes straight to your Apple Cash or Apple Savings.

Find me another personal credit card on the market that has 2%, no categories/limits, and actual cash back. You can’t because all the big companies only give statement credit.
Click to expand...
The apple card is fair at best given limited perks, lack of web interface and limited to 1% if you swipe or are unable to use apple pay.

There are multiple cards that have 2% cashback with no limits or categories, several of which have existed long before the apple card. These do not require the use of apple pay to earn 2%

Citi Double
Wells Fargo Active Cash
Fidelity Visa
Synchrony Premier

Keep in mind there are other cards from BoA, Cap1, Discover, Chase, etc that all offer 2%+ thanks to multipliers in their reward systems.
 
RickDEGH said:
Premium services and perks aside, what’s the benefit of having a metal card vs the normal plastic ones? Is it just a marketing differentiation?!
Click to expand...
YES!!! and it is actually a (small) pain in the neck since you have to return the card to them when it expires as you can't shred metal. They do send you a prepaid return label so it isn't a huge deal.

Philly

PS: But it does feel nice, I didn't know it was metal when I got it but it does feel special... The joke is on me since 99 out of 100 I now just use apple pay... So it is just more weight in my wallet ;)
 
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phillyman said:
YES!!! and it is actually a (small) pain in the neck since you have to return the card to them when it expires as you can't shred metal. They do send you a prepaid return label so it isn't a huge deal.

Philly

PS: But it does feel nice, I didn't know it was metal when I got it but it does feel special... The joke is on me since 99 out of 100 I now just use apple pay... So it is just more weight in my wallet ;)
Click to expand...
I thought as much. I hardly touch any of my cards in my wallet. ApplePay or cash.
 
I wouldn't mind the higher annual fee so much if the dining credits were a bit easier to use.

Also not sure why a premium card like this is offering status at IHG hotels and Southwest Airlines of all things.
 
Chet-NYC said:
There are a lot of freebies for Apple services offered by various third parties, but none take into consideration Apple One subscriptions. I would love to see Apple have an al a carte subscription- pick the services you want, and pay a single monthly price for them.
Click to expand...

They’ll never do this because most people would get Apple Music and iCloud Drive, maybe News, and not pay for anything else regularly.

I can’t imagine there are a ton of Games and Fitness Plus subscribers that would use those services if they weren’t included in Apple One
 
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