You HAD to have had some money on there. Plex Pass +iTunes...$40 (we'll say)...that would be $1.20. $100 in gas, that would be $2.00. Totaling $3.20. But, doesn't sound realistic.No, I filled up my car and my girlfriends car, iCloud purchases, my Apple Music payment, and my Plex Pass. It all runs through my iTunes purchases. Maybe I had some Apple Cash prior, but I never used it. Anyway, I like the card so far.
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Everything tied to my iTunes runs through my credit card either way, switched for the 3% I wasn’t getting before. I’m not sure if recurring charges are possible on gift cards, but seems like consistent work that I’m not gonna do.
One thing I wonder about with the Apple Card is the magnetic stripe.
If it's a "dumb" stripe, then that means that the number on it isn't likely tied to the "CNP" number that you can look up in the wallet app.
That means that you can't use the Apple Card to reserve movies on RedBox, because you won't have a physical mag-stripe with the same number.
Right?
This also means that whatever number is on the stripe can only be changed by replacing the card, so just getting a new number in the Wallet app won't help.
Obviously, there is no other card doing the exact same thing. However, the Chase Amazon Prime card (also metal), is always 5% cash back at Amazon, and 2% cash back on dining. Discover, which has AMAZING customer service, has rotating categories that give 5%, always at least 1%, cool card designs to choose from...and, did I mention amazing customer service? This card is not amazing...by far. It has it's place, but, it's a small one. No bigger or better than others.Name another card doing the same things from a reporting, security, fees, design and rewards perspective.
I have had my card for a couple days and I love how I hand it to a person to pay a bill they say wow it is heavy and love the white and silver color. They say I want one and how can I get one
Has anyone else received their Apple Card yet?
I'm actually disappointed with the sloppy edges around my name on the front of the card.
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Discover is still not even taken everywhere. Let’s be serious. And the need for customer service for a credit card is limited. AMEX Platinum and Chase Reserve customers get credit service and those are better cards.Obviously, there is no other card doing the exact same thing. However, the Chase Amazon Prime card (also metal), is always 5% cash back at Amazon, and 2% cash back on dining. Discover, which has AMAZING customer service, has rotating categories that give 5%, always at least 1%, cool card designs to choose from...and, did I mention amazing customer service? This card is not amazing...by far. It has it's place, but, it's a small one. No bigger or better than others.
It's gonna be okay. Not everyone has to think the card is perfect. You're being overprotective...of a credit card. Like..."Leave Apple Card alone!!!!! You're killing it!!!!!" Apple is gonna be okay. You're gonna be okay. Everything is gonna be okay.
Wow! Seriously!? You are absolutely correct! Apple Card is the best card in the world!Discover is still not even taken everywhere. Let’s be serious. And the need for customer service for a credit card is limited. AMEX Platinum and Chase Reserve customers get credit service and those are better cards.
Apple Pay is taken at many, many places...so the 2% there is better than just a 2% offer on dining.
You have a Chase Sapphire Reserve?Wow! Seriously!? You are absolutely correct! Apple Card is the best card in the world!
Who do these other credit card companies even think they are?
But, seriously...I've never been anywhere that doesn't take Discover. So, yeah...let's be serious. I have AMEX, Chase, Discover, Capital One...Discover's customer service beats them all. Is Discover the best card for every situation? No. Chase? No. AMEX? No. Apple? No. Period.
And the beauty of it is, no one card has to. One can keep using one's 2% Citi card for most stuff, but take advantage of 3% off Apple stuff (and free overseas transactions) with the Apple Card.I said very few. Citi is one that does, but it also has foreign transaction fees so you can’t use it traveling...huge negative. We’ve been over this.
You see...no one card has everything.
And here, truly, is the end game of this card: iOS lock-in. You get rid of your iPhone and now your Apple Card becomes very difficult to manage and pay off. I'm sort of surprised they didn't at least offer some leniency here and make it managable from MacOS. Ah well.Payments are made in the Wallet app through a linked bank account, and it's worth noting that there is no web option. That's potentially going to be a hassle if you lose your iPhone and need to make a payment, but your Apple Card can be managed on your other iOS devices too.
Yeah, it's a novelty thing, really. They really did do a nice job with the Wallet interface, though. While my Citi app is very useful and offers immediate alerts with every charge, it doesn't quite have that level of polish.Not so great -- at least in my wallet.
I get 3% cash back from a different Visa card, let's call it Card B.
The Visa card from my brokerage offers 2% cash back on all transactions, regardless of merchant category or transaction type (Apple Pay, swipe, EMV, card not present).
Card A offers 3% at supermarkets and 1% everywhere else. Card C currently offers 5% cash back at gas stations this quarter.
Card K and Card V have less exciting rewards programs but both have no foreign transaction fees. Card K -- from my credit union -- includes cellphone insurance if you use it for your monthly cellphone plan payment.
So my main usage case for Apple Card is Apple Pay purchases abroad (2% cash). However, since Apple Card doesn't export data to Quicken, Mint, etc., I have little interest in using it for small transactions, like breakfast at Tully's Coffee in Japan. I might consider using it for a $200 pair of shoes while traveling.
Here in the USA, I have even less motivation to use the Apple Card.
My iTunes purchases are funded by gift card redemption; you can periodically find iTunes Gift Cards on sale (particularly during the winter holiday season) at a 15% discount. Buy these on a 2% cash back card and you're really getting 17% back rather than the measly 3% from Apple Card for a direct charge.
Apple Card might have slightly better security, at least while using the physical card. It sure looks purty though.
Yes. Now, you’re deflecting. You are one of those people who has to be right. You make up things to argue about.You have a Chase Sapphire Reserve?
It’s what I’ve been saying the entire thread.And the beauty of it is, no one card has to. One can keep using one's 2% Citi card for most stuff, but take advantage of 3% off Apple stuff (and free overseas transactions) with the Apple Card.
I disagree. The ApplePay 2% all over the world and no fees has benefits not to be overlooked. And the security and reporting with instant cash is very uniquely Apple.Not so great -- at least in my wallet (all of which are no annual fee cards).
I get 3% cash back at restaurants from a different Visa card, let's call it Card B.
The Visa card from my brokerage offers 2% cash back on all transactions, regardless of merchant category or transaction type (Apple Pay, swipe, EMV, card not present).
Card A offers 3% at supermarkets and 1% everywhere else. Card C currently offers 5% cash back at gas stations this quarter and 1% for most other categories.
Card K and Card V have less exciting rewards programs but both have no foreign transaction fees. Card K -- from my credit union -- includes cellphone insurance if you use it for your monthly cellphone plan payment.
So my main usage case for Apple Card is Apple Pay purchases abroad (2% cash). However, since Apple Card doesn't export data to Quicken, Mint, etc., I have little interest in using it for small transactions, like a $5 breakfast at Tully's Coffee in Japan. I might consider using it for a $200 pair of shoes while traveling.
Here in the USA, I have even less motivation to use the Apple Card.
My iTunes purchases are funded by gift card redemption; you can periodically find iTunes Gift Cards on sale (particularly during the winter holiday season) at a 15% discount. Buy these on a 2% cash back card and you're really getting 17% back rather than the measly 3% from Apple Card for a direct charge.
Apple Card might have slightly better security, at least while using the physical card. It sure looks purty though.
Since they have been mentioned repeatedly, I looked at the Chase Sapphire Preferred and Sapphire Reserve cards. Very nice offerings at a price. The latter is comparable to an AMEX Platinum.
One thing, if you use an airport with a Centurion Lounge, you can use it if you purchased your airline ticket on the AMEX Platinum Card.
Many of the cards with annual fees are geared toward frequent travelers, particularly those who take a lot of international trips. Judging from most of the comments here at MacRumors and similar Apple rumor sites, the people who participate in these discussions are rarely the type who travel internationally because they rarely mention the "no foreign transaction fees" of the Apple Card.
Hopefully Apple/Goldman Sachs will add additional benefits in the future. I really need to see data export to Quicken/Mint/etc. before I will use this card on a regular basis. I simply don't feel that it is worth my time/money to monkey around with Quicken/Mint/etc. to manually record a low value transaction in those systems when my 2% everywhere brokerage card automatically exports this data.
I activated my titanium Apple Card and promptly stuck it in a binder with the other three cards I don't usually carry. I've made one Apple Pay purchase and already paid the balance due of ~$11. My next purchase will probably be in September, just to keep Goldman Sachs from thinking that I've forgotten about the card.
An inauspicious launch.
I stopped reading your post when you were sarcastic. I never said the Apple Card was the best card in the world.Yes. Now, you’re deflecting. You are one of those people who has to be right. You make up things to argue about.
I have excellent credit. This ain’t my first rodeo. There are several cards out there....each with their own advantages. The Apple Card has it’s place, too. Is it THE best? No.
But, you know what? You are right. Apple Card is the best. Hands down. You knew before anyone else. In the future...people will want to know how you knew. You are truly the smartest being in the universe. Period.
You just have to know how to use it! Your card, I mean?
Jesus, chill out man. I just said it looks nice. If you think it's bad or useless, maybe just move on? ¯\_(ツ)_/¯The interface thing is overrated. I like the fact that individual transactions show the cash back rewards percentage in a discreet badge.
The color coding is ornamental and not practical. When you pay off the balance due, the Apple Card reverts to white. The color coding only reflects the purchases you have on your current balance.
I know it has reports for weekly and monthly spending but...
It only tracks the spend on that individual card. If I buy a $600 monitor on Card A (because that card has an extended warranty coverage), Apple Wallet doesn't include that in my spending breakdown.
Worse, the Apple Card has moronic categories. Purchases from grocery stores and restaurants are grouped together. At least in Quicken, Mint, etc., they can be separated. That's important for me because I consider dining out to be different than groceries. But Apple Card is brain damaged. The $80 bottle of wine you ordered last night at the restaurant with your $15 appetizer, $35 entrée and $15 dessert is dumped into the same category as the $3 loaf of bread you bought this morning at the corner grocery store.
Stupid.
I know a lot of Millenials might feel fine jumbling discretionary dining purchases with their household grocery staples, but hey, as far as I can tell looking at the Apple corporate website, Apple's senior management team is made up of Boomers and a few Gen Xers.
Essentially, Apple Wallet is telling users they bought stuff. When they pay off their card, they bought more stuff.
Apple Wallet isn't going to tell me the percentage of what I spent on the Apple Card compared to the rest of my spending, like mortgage/rent, property taxes, auto/home/health insurance, HOA dues, utilities (most of which are ACH transactions out of my checking account).
Is this post for real?Has anyone else received their Apple Card yet?
I'm actually disappointed with the sloppy edges around my name on the front of the card.
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No, I filled up my car and my girlfriends car, iCloud purchases, my Apple Music payment, and my Plex Pass. It all runs through my iTunes purchases. Maybe I had some Apple Cash prior, but I never used it. Anyway, I like the card so far.
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Everything tied to my iTunes runs through my credit card either way, switched for the 3% I wasn’t getting before. I’m not sure if recurring charges are possible on gift cards, but seems like consistent work that I’m not gonna do.
All very interesting, but what I really need to know is where you got the iPhone case with rainbow logo?
Not sure what you mean by recurring? Suppose you buy a $100 iTunes gift card for $85, you redeem the code and $100 is tied to your Apple account. Now every time your iCloud gets renewed, $3 gets deducted from your balance. If you make an iTunes movie purchase, $20 gets deducted. So you basically replenish your amount when your balance is running low. I usually keep $200 at a time since it allows me to purchase apps and iCloud and Apple Music at a 15% discount. This is in addition to the extra 1 point or 1% you get if you use a credit card to buy the gift card.
I just meant a monthly charge. So you can buy one gift card, use the same card number, and just continuously replenish that card at a 15% discount?