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Why does this card excite people at all? The cash back reward is pretty wake.

First of all, it doesn’t come to Canada at the moment. But even it comes to Canada, i don’t find the point at all.

I can get 4% cash back on gas and grocery, 1% cash back on all other item.

Who is going to do App Store purchase all day long to make the cash back worth a while?

There is hard limit on tap transaction on tap, $100 dollar limit, so people gonna need to use physical card, then it is 1% cash back.

Plus, when I buy big ticket items, I will use my travel reward card to get point. I have gotten several free flight.

The cash back reward is just not attractive.
The cash back reward is very attractive. What's not attractive is loyalty points, like airline miles, which have strict redemption limitations. I get close to US $2,000 per year in cash back from my credit cards, and I can use this cash to buy airplane tickets, hotel nights, or whatever else I fancy with no such nonsense as blacked out dates or some other limitations.

However, you are right that the Apple card's rewards are not nearly as good as the ones offered by other cash back cards. What Apple card offers is immediate gratification with the immediate cash back credited to your card, but to me that feature has NO value whatsoever. Another difference is that you don't get penalized for paying your credit card late, but that only means that you end up paying more in interest, which is EXACTLY what credit companies want you to do. So, Apple is being pretty devious with this card and is not on the consumer side here at all. I wouldn't hesitate to equate this new invention with predatory landing practices, as millions of credit card holders don't understand how credit cards work and that if they don't pay the balance on time, they are taken for a ride by CC companies by having to pay enormous interest rates on their debt.
 
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Why does this card excite people at all? The cash back reward is pretty wake.

First of all, it doesn’t come to Canada at the moment. But even it comes to Canada, i don’t find the point at all.

I can get 4% cash back on gas and grocery, 1% cash back on all other item.

Who is going to do App Store purchase all day long to make the cash back worth a while?

There is hard limit on tap transaction on tap, $100 dollar limit, so people gonna need to use physical card, then it is 1% cash back.

Plus, when I buy big ticket items, I will use my travel reward card to get point. I have gotten several free flight.

The cash back reward is just not attractive.

Buying a Mac Pro adds up to a lot of groceries and gas.
 
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The agreement goes over eligibility (an Apple ID and two-factor authentication are required)​

Does this mean all applications for a card will be approved as long as you have an Apple ID and two-factor authentication?
 
They must be getting close, Maybe first of next week if this has been posted on their site.

I still worry that because I am running iOS13 Beta I will not be able to access the application process once they open it up.

I wish we knew what credit agency they use, so I could just unfreeze just the one needed instead of all 3.

transunion
 
>> So, in other words, one card per Apple ID.

Thats a pretty big limitation as I'm sure many couples out there share a card.
 
>> So, in other words, one card per Apple ID.

Thats a pretty big limitation as I'm sure many couples out there share a card.
Since card numbers can be changed from the app whenever you want, what difference does it make if you and your spouse have two cards or one? Just to keep tabs on the other’s spending?
 
But would not you be better off buying it on Amazon with Amazon card?
No, because amazon must have lousy security (since someone once opened a card from amazon in my name).

Also, I doubt you will be able to get the full range of cto options on amazon.
 
Since card numbers can be changed from the app whenever you want, what difference does it make if you and your spouse have two cards or one? Just to keep tabs on the other’s spending?

I'm sorry if your relationships have caused you to immediately go to this mindset:
>> Just to keep tabs on the other’s spending

But in our marriage (as I'm sure a lot of others), we have 1 common credit card we use for everything. We are not 'Keeping tabs'. There are no trust issues.
 
No, because amazon must have lousy security (since someone once opened a card from amazon in my name).

Also, I doubt you will be able to get the full range of cto options on amazon.
In Apple land "full range of options" amounts to two or three options nowadays, so Amazon is likely to have them all. And, apparently, not having Amazon credit card does not prevent someone from opening one for you, so, you might as well, go with the flow :)
 
In Apple land "full range of options" amounts to two or three options nowadays, so Amazon is likely to have them all. And, apparently, not having Amazon credit card does not prevent someone from opening one for you, so, you might as well, go with the flow :)

I think you’re confused. They’ve already announced a wide range of options for the new Mac Pro.

Given that the price of these things is going to go up to the mid 5-figures, I doubt most customers are buying them “off the shelf.”
 
Why is this any more exciting than "Chase releases a copy of the Chase Sapphire Reserve Customer Agreement"?

I wonder what's next. Someone will make a review of that card like it's the most innovative thing that has existed in the history of the world ever.

"So I went to the store and gently put my iPhone near the register. The iPhone beeped and vibrated and, in just a split second, I had paid for the items. No cash required. This really is the future of payments. Magic. Unapologetic. Aluminium".
 
Why does this card excite people at all? The cash back reward is pretty wake.

First of all, it doesn’t come to Canada at the moment. But even it comes to Canada, i don’t find the point at all.

I can get 4% cash back on gas and grocery, 1% cash back on all other item.

Who is going to do App Store purchase all day long to make the cash back worth a while?

There is hard limit on tap transaction on tap, $100 dollar limit, so people gonna need to use physical card, then it is 1% cash back.

Plus, when I buy big ticket items, I will use my travel reward card to get point. I have gotten several free flight.

The cash back reward is just not attractive.

Most of my excitement is around the privacy/security and card management features. Cash back is secondary for me.
 
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I think you’re confused. They’ve already announced a wide range of options for the new Mac Pro.

Given that the price of these things is going to go up to the mid 5-figures, I doubt most customers are buying them “off the shelf.”
I doubt there will be any non-corporate customers for Mac Pro so it's not a very good example for Apple Card. And "wide range" is a relative term. Apple's range is much narrower than the ones offered by Dell and HP.
 
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I doubt there will be any non-corporate customers for Mac Pro so it's not a very good example for Apple Card. And "wide range" is a relative term. Apple's range is much narrower than the ones offered by Dell and HP.
You are confusing a “range of models” with a “range of CTO options.” Two different things. And my point, which is valid, is that Amazon tends to sell a few pre-configured options for Apple products, and not the full range of CTO options you can get directly from Apple.
 
Why does this card excite people at all? The cash back reward is pretty wake.

First of all, it doesn’t come to Canada at the moment. But even it comes to Canada, i don’t find the point at all.

I can get 4% cash back on gas and grocery, 1% cash back on all other item.

Who is going to do App Store purchase all day long to make the cash back worth a while?

There is hard limit on tap transaction on tap, $100 dollar limit, so people gonna need to use physical card, then it is 1% cash back.

Plus, when I buy big ticket items, I will use my travel reward card to get point. I have gotten several free flight.

The cash back reward is just not attractive.

There is no hard limit on tap transactions. I’ve paid over 1000$ with my Amex. Yes most Visa and Mastercards have a 100$ limit but that is set by the bank. Complain to your bank that Apple Pay is more secure and should have the limit upped.
 
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>> So, in other words, one card per Apple ID.

Thats a pretty big limitation as I'm sure many couples out there share a card.
That's not a limitation for the people who run Apple, and as far as they are concerned, no one else matters.
 
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