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Would have been nice if Apple offered this starting on Black Friday so buyers could get the gift cards *and* this 5% cash back. But no, that would have meant putting more cash (back) in buyers' pockets. :rolleyes:
 
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Apple's card is highly competitive and Amazon does not give CASH back that you can spend elsewhere.
If you had applied for Amazon's Prime Rewards Visa Card instead of this Apple Card, you would have gotten a $200 sign up bonus (now $150) *and* 5% cash back on Amazon purchases. That beats what Apple Card is offering.

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It's how EVERY credit card works. It's called a 'Signup Bonus'. It's an industry standard. 😂 It's no different than countless retailers that have special offers for first-time customers.
It can also be argued that it's industry standard to pay employees (near-)poverty wages while making record million/billion dollar profits. Doesn't make it right. #justsaying
 
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So you think that every existing bank customer should also get a free toaster instead of just new ones? It has never been that way.
This isn’t about a toaster oven lol. This is about rewarding existing members with 5%
 
You can get 15%-20% back if you go to Dollar General, buy $10-$500 GameStop gift cards, then buy Apple Store gift cards at GameStop using your GameStop gift cards which you got at Dollar General for 15% off.

The Dollar General deal runs through tomorrow (12/3/22). If you use your Discover it card, and use Apple Pay at Dollar General during checkout, you get another 5% back. You could theoretically get a brand new iPhone or laptop or anything else for 20% off.
 
Apple's card is highly competitive and Amazon does not give CASH back that you can spend elsewhere.
The Prime Visa card does 5% cash back on all Amazon purchases and includes an additional year of warranty for products purchased with it. The Apple Card is only competitive if you want to have cash back and pay in installments which few other cards offer.
 
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The Prime Visa card does 5% cash back on all Amazon purchases and includes an additional year of warranty for products purchased with it. The Apple Card is only competitive if you want to have cash back and pay in installments which few other cards offer.
So the Prime Visa card had good advantages on Amazon or at Whole Foods. Elsewhere, not so much.
 
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Apple's card is highly competitive and Amazon does not give CASH back that you can spend elsewhere.
Sure you can spend it somewhere else. Just deposit the cash back into your bank account and go shopping.
 
The Prime Visa card does 5% cash back on all Amazon purchases and includes an additional year of warranty for products purchased with it. The Apple Card is only competitive if you want to have cash back and pay in installments which few other cards offer.
Apple Card not having the additional year warranty has kept me from applying. I've used that perk a few times with my AMEX card with great success. On Apple products no less.
 
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I don't understand the Apple Card. I purchased a refurb iPad using the card. Found a better deal at Amazon so I called Apple and received a cancellation authorization. As soon as the refurb arrived I sent it back to Apple. Now I have a $14.95 Apple Daily Cash charge I can't get rid of. Called ApplePay and did not receive an understandable answer. The whole thing should zero out, correct? Am I missing something?
Check your Apple Card account, they may charge the $14.95 to your card to recoup the Daily Cash, happened to me once with a return refund, the purchase wasn't from Apple.
 
Meh…. Apple Card. Still holding off on getting one. Rewards are not that great compared to my existing cards. In fact I can make my existing cards net me an average of 2-6% cash back on Everything. Only thing going for Apple Card is no foreign transaction fees, and maybe iOS integration.

Anyhow I get 5-6% cash back on all my Apple purchases and even more. Recently purchased $2000.00 of Apple Giftcards from Safeway and got 6% cash back from my Amex Blue Preferred card. Also got a Citi Custom Cash that nets me 5%, along with Amazon, Sams, Bestbuy all of which get me 5%. Also got some Chase Cards that give 3-5% cash back on varying categories. Everything else that doesn’t fit goes to a Citi double Cash card that is 2% cashback.

Heres the kicker though got 12x back on Safeway
points. They run these promos from time to time where you can get 8-12x bonus points always with no limit just a purchase minimum. In this case it was just as long as you buy $75 or more.

Bought 4, $500 cards in 4 separate transactions. $2000.00 total but with $120 Cashback. The Safeway rewards I got are equivalent to $400-$600 worth in free groceries or gasoline depending on how you redeem them. It’s effectively getting $2000.00 to spend on Apple for $1280-$1480.

Been doing this for the past few years and it has saved me thousands on Apple and everything else I buy.
 
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If I'm understanding this correctly, you lose 0% APR with payments over 12-24mo, in exchange for the 5% cash back.
 
If I'm understanding this correctly, you lose 0% APR with payments over 12-24mo, in exchange for the 5% cash back.
The 12/24 months installment plans will still give you the default 3% back on Apple devices, which is quite good since other cards usually makes you choose between installments or rewards.
 
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This seems like a good deal. I got some sort of bonus when I signed up for my Apple Card a while back. I use my Apple Card for many purchases just because it's convenient. I love how I can always see the balance clearly in the Wallet app and payments are easy and instant. I have a Discover card that I use sometimes because during certain periods it has better cash back.

The trap here is your $50 or whatever as a bonus will cost you hundreds of dollars in interest over the year. They're not giving that money out without expecting something in return. Unless you're disciplined enough to pay off the balance every month and not purchase something you can't afford stay away from these offers.
 
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