EU has lower interchange fees than US, so I think the cash back would be 0.5% if they launched in Ireland. Relative to the competition, their rates are good, but about the same as other good cards rather than way better. So if you have the best non-Amex card available in Ireland at the moment, Apple Card would be about the same as that.

Same I’d use the shit out of it constantly and just to flash the fucker as it’s safer to show.

Not just Ireland, I think a lot of countries except for a select few doesn't have Apple Card availability too.

@@Isaac-gh5ku Only the US has Apple Card.

None in Canada either.

Spot on

Really gutted it’s not over here yet I’d use that fucker every time I’m out!

In finland we dont have even homepod... Siri speaks finnish language but still, no homepod.

This!! I never take my wallet with me anymore. Apple Pay is accepted everywhere I go.

Wow that legitimately shocks me! I always kinda felt like the UK market and USA/Canada are viewed as almost one and the same for the largest multinational corporations in the world. Just sooo similar in terms international geography & demographics.

Strait facts

Apple Card is a no go in the credit card churning world

Yea credit cards with a decent sign up bonus is the way to go. I got a $75 sign up bonus through credit karma for getting Apple Card, but I only use it to finance apple products and 3% for Apple Music.

100% chase amex and discover offer infinitely better rewards

@@Kushpatel9047 not even that, csp gives 3x points back on streaming (including Apple Music) which are much better than cash back

Right there with you. I only use mine for Apple purchases, primarily financing Apple products.

How much do u have in cash back?

It depends on your income but I got a 5500 limit with a 650 credit score. if your in the high 6 range try the pre qualification.

Hey there Dave here would be a good channel for US credit cards for you

Or also get the Citi customs I’m getting 5 percent back on gas every month

And fidelity.. Chase..us bank etc

PayPal Cashback Mastercard also gives you unlimited 2% on everything and 3% with PayPal checkout

Discover it is a shell of what it once was…

yea the discover it card is pretty nice, i’ve got $118.45 in cash back so far this year as an 18 year old compared to his $94. i love apple and the app really drew me in but i’m glad i didn’t pick it

Been using like a debit card since it came out as well it and sitting right at $990

Agreed! Maybe there’s some contract that they have with Citizens One. Otherwise, I just tell everyone to do Apple Card 24 months and just trade in at a year if that’s what they want to do!

The two programs are just vastly different though. They could benefit from allowing the upgrade program to alternatively be financed through the Apple Card as well though rather than solely through Citizens.

In your professional opinion, what about it do you think significantly differentiates itself from its competitors?

@@valiantzx Lack of fees Great rewards Great app

What would you recommend for a 18 year old with no previous credit history (and pretty well off family financially) to bulid a good credit score through college

@@acoolonthebeat im also curious about this ngl

@@acoolonthebeat you need a credit score in order to apply…

Is there, at any point, that Samsung did better than Apple?

@@Mr.2GD not really. Most Apple users aren’t spec whores like Samsung users. Most don’t care about more technical specs like the claimed Megapixel capacity of the camera or removable storage. Apple users find it better than Samsung as a majority because of the fluidity, simplicity, and continual backing and improving of iOS. Not to mention how iOS specifically communicates with Apple hardware, it makes camera and other functions more refined and how the hardware communicates with the software. That’s what makes Samsung inferior, they just don’t have iOS and they don’t make a piece of hardware to last 7 years

@@ross2342 The fluidity is a by-product of the vertical control Apple has over the ecosystem, it is indeed nice, but the simplicity is almost patronising IMHO, they think that people don't know better for themselves which in some cases might be true, but I rather have a bit more control over my experience despite not having the same level of refinement in some details. I understand that some people don't want to think too much about their tech and how it works, just isn't for me. The durability thing is a bit tricky, the flagship devices can last you seven years, but the innovation comes more quickly on the Android side and people feel compelled to upgrade a bit faster so there is less financial incentive for the companies to support software for more than 3-4 years like we have now. Apple sells more of their 1st party services and hoards user data for themselves so they profit from their users in many different ways, see the Epic Games case for instance. They don't support iPhones for 7 years out of the goodness of their hearts.

@@zehph thanks for this reply dude. You have a much better way with words than me and I seriously hope to be able to convey points like you some day. It’s cool to see the Android side again, remember what it was like, and hear responding perspective again. I loved customizing my ringtones and message tones on Android. I felt my upgrade every 1-3 years was always cutting edge, fast, and the newest and sleekest tech. I always laughed at my coworkers with iPhones as they scolded me for keeping their group chat “green” instead of “blue”. I thought I would never cross over. And then when I got into Apple’s ecosystem and could send longer videos over iMessage amongst other functions, I realized this Apple world I was in was like this selective cult in an odd way. Bad, in that I now heavily loved, utilized, and was dependent on Apple to Apple functions that I didn’t have before. But now I could only do them with other Apple users which was way more people that I thought, but still. I couldn’t believe I lived without it for so long but now found myself angry when chatting with an Android user and using limited “green” bubble functionality. It makes all Apple users kind of segregate from normal society. Once you get in, if you do find it better, and choose it as your daily (which is just personal preference), you kind of just accept that Android users don’t “know” the other side. You do have techy people that try both but the majority of Apple users came from Android, and the majority of Android users have never used an iPhone as a daily or tried it for longer than toying around to click… or dial a number from someone else’s device. I absolutely 1,000% miss the more open, customizable, unadulterated, rootable, etc Android benefits. Especially the easiness of customizing my tones. I was truly obsessed. But I love the Apple iOS interface and thumbing through it way more than my want for those benefits. Which only means it’s a personal preference. I think the majority of Apple users just leave their stock ringtone and stock text tone for whatever reason, too. Maybe it’s like you mentioned about them not knowing better for themselves. A lot of Apple users are just drive and go type of people. I even tried loading some customs into iTunes and syncing my phone and while the process required a little first time learning, it worked. Then I found I was doing something very Android-esque here lol and even missed my stock iPhone tones and changed back. I think Apple has probably figured out they’ve got enough of a fan base of relatively dense users that are willing to cycle through the same sounds pretty much for over a decade, log into iCloud and all their stuff just “be there”, and a familiar interface that really hasn’t changed much at all… hardly ever lol. It’s truly a predictable experience that seems to have sort of bottomed out from having any real innovation changes since the triple camera system came out in the 11 pro/11 pro max. People who see me with an iPhone in hand who knew me years ago working in cellular retail oftentimes make it a topic to pick my brain about because I was so anti Apple for the majority of my life. This is all just regurgitated bits of perspective and almost none of this is fact and a lot just personal preferences. How did Apple get me? Damn lol

@@ross2342 So in a nutshell, Apple is better because they make their shit work great with other Apple devices. That's literally their whole thing. "you kind of just accept that Android users don’t “know” the other side." This side is just the Apple walled garden, there is nothing much to it. The same, lame experience for every user.

I dump Amex was tried of annual fees of 300 an I don’t travel or get hotels much

How long did you wait before asking for a credit limit? Also did you pay off card in full ever end of the month?

@@EarthWasHere the 1st of every month I request an increase. The frequency of successfully raising the credit limit was better in the beginning. Now that the limits are larger, I have been denied more than I have been approved.

@@Burroughsbikebuilds gotcha, will do. Thank you for replying. 👍

order the airtags already😆

@@rroman429 Does the MagSafe wallet have find my compatibility? Cuz that’s what I used…. Until I lost it 😭

@@SleepyPossums yes it have that but i don't know how reliable it is, I don't use physical wallets anyway, neither magsafe wallet. If it was linked to your find my account it should appear there🙃

The lower the utilization, the better. 0% utilization usually drops my credit score, so I buy a random product from Apple and finance it like once a year to show some type of utilization to the credit bureaus. The issuer will know you use your card and never close it, but to the credit bureaus, it’ll show you’re not using it.

@@Carsia yeah so if it shows you technically never use it, that’s not good right? Like there’s no utilization to report. Thats smart tho that you have something financed but I feel like always having a $0 balance statement doesn’t make sense? I guess use as much as you want but pay it down to where they can only report an amount that is less than 30% utilization

@@jayceklept I charge everything to my credit cards, if there are no fees, and pay them off every month. Sometimes I’ll let like $10 or so get reported. Having no debt hurts your score more than it helps it. Sounds backwards, but utilization helps your score. That’s why if you pay off a credit card or a car or something, your score will drop. I’m sure Drew’s score took a hit when they paid off the house since it messed up the credit mix.

im with you. there are better cards. I bring in 700-$900 / YEAR cashback using 6% Amex Blue Cash Preferred (groceries and gas) 5% Discover IT (quarterly categories, ie Paypal, Amazon, Target) 5% Chase (quarterly categories, ie Paypal, Amazon, Target) 5% Citibank (restaurants) 2% Wells Fargo (everything else)

You get 2% on purchases made on your phone using the apple card. 1% if you use the physical card.

This is literally me and my wife minus the Apple Card 😂 Used the Freedom Unlimited for nearly all purchases besides Amazon, but now that we added Flex to our card portfolio, we just use Unlimited at department stores or non-Amazon online shopping! Gotta always maximize those cash back offers 💰💰