The card not having visible numbers is a security feature they added! You can still use the card at stores. I hope that was a joke.
@504cool6 ай бұрын
Ya know, “not sponsored” means no affiliate links too 😆. I’m not sponsored by the product I made the video about, however here’s a competing service that I make money from lol. You have a solid channel man, people are going to watch your content. Don’t get caught up in bad “KZfaqr” habits.
@zveinz201610 ай бұрын
Our sponsored today......Nobody. I have to subscribe after that one LMFAO
@gospelsara86586 ай бұрын
tbh me haha
@arro-pie11 ай бұрын
Love the video. I really like your Financial vids in general. Within the past year I have really started getting serious about my Finances (better late than never) and I've been looking for a good place to save. I'll totally give Wealthfront a look!
@JohnnyScumbagg9 күн бұрын
Why would the apple credit card be useless because it doesn’t have numbers on it? ITS A CREDIT CARD
@shockjock359 ай бұрын
The 1-3% cash back and no annual fee is pretty standard for most cards. GS should be able to handle that. I think the billing cycle issue is a tool used to get people to miss paying by the statement closing date. So now they can’t charge interest. It’s possible that they may have either have a ton of people that have defaulted accounts so lose money or they have a ton of people that pay off the card at the end of the month. However I do like that we can roll the cash back into the 4.15% HY Savings account. The user experience in the Apple wallet is the absolute best.
@justinguarino2012 ай бұрын
My Wells Fargo has like 2% cash back, and it has annual fees… lol.
@demolajinadu11 ай бұрын
First! Rooting for you to get sponsors. Great insights, Dayo.
@DayoAworunse11 ай бұрын
🥇 Sponsors are on the way :)
@DavidGrossNYC11 ай бұрын
I don't think you said anything wrong per se. I think you overlooked some things though. The apple card/savings is easy. I don't have to remember which card to use at which location for which rewards. You don't have to manage multiple rewards that may expire. If I don't fly my flyer miles don't go to waste. You can spend a lot of time juggling all the different rewards. With the apple card you just simply pay, the rewards you accrue are cash immediately and so they can be spent on anything. On top of that they go straight into the high yield savings so instead of thinking "how should I spend my rewards?" I think "great more money going into my savings" and I leave it alone, so it not only gets saved, but it also builds interest on top of that. Additionally, having too many credit cards isn't good for your credit score which is very important if you actually do want to try and buy that house you are saving for. Financial stuff is complex (I am far from a financial advisor) and different people have different needs. If someone is flying 1-2 times a month then maybe it pays for them to have a card with flyer rewards. However, if you fly 1-2x a year, eat out some, and do a little bit of a bunch of different things than a generalist card might actually be better for you. The apple card may not be right for you, but it is right for a lot of people. Ease of use and access is not to be underestimated. I am so busy in my life that anything I can setup, not think about and it runs itself is a godsend. All that said I really do enjoy your content in general and while I may have had some things to pick at in this video most of them are spot on!
@kerrydaniels846011 ай бұрын
You say all that, but most cards don't really have expirations on points or miles. Two, it's easily automated. I have like 3 main cards. Ot's not hard at all and pretty easy to manage. My stuff is on autopay. I literally get way more money from other cards. It's not hard at all to tale two seconds to spend points or get money right away. I $500 more in 3 months from using points than any apple card would be worth. Apple card simply sucks for anyone that actually cares about maximizing their money. Put a little time into setting up your finances and it becomes routine.
@DavidGrossNYC11 ай бұрын
A lot of this is subjective to the person, which I did say in the original post. Yes, if you manage all the cards and keep track of them and redeem the rewards etc you will end up with more. That said, it's not just a matter of setting up auto pay (which I use) it's tracking and using them. No it's not "that much time" but depending on what your life is like that mental load may be something you don't want to deal with. When I was younger (I'm really not that old to be fair) I used to do a lot more maximizing of stuff like this. However as life has become busier it's easy for me to forget or not have the time to worry about paying with the right card and making sure to redeem the rewards etc. (If they don't expire then sure I will eventually redeem them.) Also, you have 3 main cards, not 9 lol. The apple card isn't the only card I use, and I do have 2 additional cards to places that I specifically shop a lot because yes, I get better rewards. But for my everyday purchases they all go through the apple card because there isn't enough value for the time spent having all the cards, especially since you have to keep an eye on all of them for fraud and such. Also, as I mentioned if you have 9 open cards that may impact your credit score. @@kerrydaniels8460
@Disney_rehab7 ай бұрын
In my opinion and for my lifestyle, I'd say the Apple savings sounds like the perfect situation for me. I'm well incorporated into the Appleverse. Have an existing Apple card that I use regularly and receive cash back from regularly. It appears sooo quick and easy to set up as it was setting up the Apple card itself. And why is no one talking about how ridiculously easy it is to chat for customer support! You literally imessage them straight from the wallet and they are available 24/7 and tend to resolve my problem within mins. The APY is great. I have a very basic need for savings. It appears great for anyone with the need for a HYSA looking for something super user friendly. And Apple is a known brand that I trust. I personally see no real cons of this HYSA from my personal standpoint.
@englishwithaltiniКүн бұрын
Very well said and I agree!
@A1servicesllc873 ай бұрын
Very informative…thank you
@skiparotchi6 ай бұрын
I chose to get one because why not save a lil when paying for Apple Music every month already. That’s pretty much all I use mine for. The savings was a + for me
@Mbro-dq2do11 ай бұрын
great video bro!
@yung4ng3l7 ай бұрын
I wasn’t ready for the “No Sponsor” 🤣🤣🤣🤘🏾
@AppleHelperITouchАй бұрын
As someone who uses Apple Pay like, everywhere, I think it’s worth it plus it’s secure and no one can skim your credit card if you decide to swap or insert their chip.
@AaronCLB10 ай бұрын
if you had been using the apple card your amount would be higher because of the 1/2/3% cash back tho
@OkiDingo3 ай бұрын
My credit union only gives 1.06% on my money market account, since for me it’s a no brainer to move money to my apple savings account.
@G0A711 ай бұрын
At this point i just want a tierlist of credits card even if they dont exist where i live, im just dead curious
@mattoh077 ай бұрын
The sponsor joke got a like automatically 😂
@theodorehaskins37564 ай бұрын
Wow! Wow! Wow! You know it would help if you could be a little more objective in your criticism of the Apple Card. But I do agree with you. You shouldn’t have to apply for a credit card just to get a savings account. The other thing to consider is that Apple is not a bank and they have partnered with Goldman Sachs bank, USA and they are the ones that handle apples customers accounts.
@drawingjac3 ай бұрын
The savings account should be looked at as a benefit of being an Apple Card user, not a separate service that forces you to use something you don’t want.
@seriahalexus10 ай бұрын
Not the “nobody” sponsor 🤣
@davidamobi707711 ай бұрын
I know your a tech channel but can you talk about your current credit cards
@kofijulius58015 ай бұрын
You said you will talk about if foreign nationals can also have a savings account..
@S0C0ZY3 ай бұрын
So since I have the Apple Card and I don’t fly it’s solid , bet
@ardenaudreyarji11 ай бұрын
Dayo, what did you think of Ichigo's return in Episode #21 Lol
@sheperdmnisi11 ай бұрын
Can't beat the fold😂
@simonmach1ne11 ай бұрын
Can i open this From Germany? German Bank Account
@Ken88811 ай бұрын
Why would I get an apple card when I have a perfectly good mattress to store my money under? 😂
@Lifeisgood58610 ай бұрын
I guess you don’t wanna build your credit and take advantage of the 4.15% savings interest
@DayoAworunse10 ай бұрын
@consciousthoughtz5318 I can build my credit and get a higher interest rate by not using this card or saving account
@mrwilliams86235 ай бұрын
@@Lifeisgood586Apple changed my interest to 4.50 has that happened to anyone else?
@theodorehaskins37564 ай бұрын
🤣🤣🤣
@SycaShow10 күн бұрын
🤦🏻♂️
@JPTulo6 ай бұрын
1:00 Are you joking when you say the physical card is useless, or did you just not do any research? Because I use it everytime I can’t pay with my phone. It has a security chip embedded in it and the numbers not being printed on it is a security feature. You can access the numbers from within the Apple Wallet.
@DayoAworunse6 ай бұрын
For 1% yeah it's useless compared to other free cards with way better benefits and rewards
@JPTulo6 ай бұрын
@@DayoAworunse Better than using a debit card, is it not?
@JPTulo6 ай бұрын
@@DayoAworunse Also, the app is convenient and the ease of use is great. The rewards never expire. I don’t have to do anything other than only buy things I can afford, and pay off the balance every month. I have a savings account with PNC and if I meet certain criteria they will bump the interest rate up from .02% to .03 percent. As long as there is a minimum of $2500, a direct deposit of at least $1500 every month, and 5 purchases on the debit card. 4.x% interest blows the doors off that .03%, and the convenience of having it all in one place is great for someone who doesn’t want to have seventeen different cards. One for restaurants, one for fuel, one for groceries etc.
@DayoAworunse6 ай бұрын
@@JPTulo for sure!
@WahidXD9 ай бұрын
Is that a ps5 on the bottom left corner? Looks like it’s holding up the TV great video btw
@DayoAworunse9 ай бұрын
It is
@SlowDRV7 ай бұрын
Whats the apple saving charge you to withdraw the money?
@kyleRS875 ай бұрын
Doesn’t charge you anything
@WaveringAna11 ай бұрын
great video; I found the apple card was fine for me to open, buy a macbook and iphone, then forget about for 4-5 years when I need to do the same again. For most people where opening a new card would ding their credit score by a few points, definitely dont do that
@michaelvaldez9995 ай бұрын
How long it took you to have the account on Wealthfront open? Mine is still pending
@DayoAworunse4 ай бұрын
Immediately
@sageaizen683711 ай бұрын
What happened to the bleach reactions ???
@Randomness66211 ай бұрын
I'm so glad there exists a KZfaqr that respects my KZfaq premium purchase and doesn't feed me more ads even though I paid to get rid of them (yes, I know adblockers exist, but I also wanted access to KZfaq Music as well as the play while sleeping function)
@kofijulius58015 ай бұрын
I want to create some but I’m not a USA resident Any guide?😢
@DayoAworunse4 ай бұрын
Don't have any international financial guides. Only offered in the US at the moment
@Daniyoyo10 ай бұрын
I love apple savings .. my only real gripe is the low APY % , at the time of this writing , of 4.1%. Rates has moved up a shit ton over the past 6 months they need to update their % earned
@504cool6 ай бұрын
For customers coming .01 to 4.1, it’s a night and day difference lol.
@Hugh24811 ай бұрын
I'm not a fan at all of the iphone, i'm more a Samsung user.
@toyaavant512911 ай бұрын
You are better off buying gold and silver because those federal reserve notes are losing its purchasing power. Spend cash save gold and silver.
@Godlovesu59111 ай бұрын
Look in your Apple wallet and you will find your Apple Card number there. You’re already in the wallet so I don’t see how you missed it.