I treat my Apple Card just like a corporate Amex; I use it mainly to reap the rewards, funneling as much through it as I can, but always paying off the balance every month. It just doesn't make sense to carry a balance with the Apple Card since it will quickly offset your reward dollars when you have to start paying interest.

Beware: Citi Double Cash Rewards charges int'l transaction fees. Apple Card and Capital One do not charge int'l transaction fees!

I am an Amazon prime user. The 5% back is awesome with their card using Amazon purchases. 2% back at gas stations and grocery stores is nice too.

Greg, The one thing I enjoy about the credit card is the option for buying a new Apple product in monthly payments.

I've had the Apple Card for about a year now and love it. I also make purchases and pay it completely every month to avoid the interest rates. Thank you for telling me about the Apple Pay 2% versus using the card - I didn't know that. Your videos are alway informative and I just wanted to thank you.

I love using my Apple Card as my primary credit card, it’s the easiest to use & to pay. I can’t wait for the savings account. 👍💳

another great perk that you mentioned about this card is for those of you who are going abroad any time soon. The 0 transaction fees are such a lifesaver and most other popular foreign countries all take Apple Pay. I think they even first adopted the clover device that they bring to your table so you can still use your phone to get 2% cash back!

First time on your channel, great video. You also look like *Scarce,* iykyk 😂

Yeah I have some cards that offer better rewards in certain situations but I love the Apple Card and I use it often.

Damn you’ve spent $171,400 to be able to get that $3428 cashback. That was crazy lol.

I had my Apple Card since May 2022 and I love it!!

2022 Love mine they notify you Johnny on the spot when and where a purchase was made even shows you on Apple Maps where and sometimes an exact picture of the place you’ve shopped at. When you completely pay off your debt on the card it instantly shows you are back at your maximum credit limit. It’s far better than my other credit cards I have to admit. It’s my go to card in my Apple wallet. Also to my U.S. Military active duty/veterans if you sign up (At the bottom of the page) and verify you’re active duty/veteran you get 10% off any purchases you make in a Apple Store or Apple online. Plus if you use your Apple Card at the store or Apple online you get 3% cash back on the Apple cash card. I just recently bought myself a Apple Watch Ultra (Christmas present to myself) and only paid like $690 something because of the 10% off and got 3% cash back.

So I remember applying for this card last year and I wasn't accepted since I had no credit history or any sort of credit card open yet. I watched this video and I was persuaded to apply again. I GOT IT! I plan on making it my main card to use and hopefully it doesn't dissapoint

Top tip: with a card like the Blue cash or Blue cash preferred, you can get 3% or 6% back on Apple purchases respectively by just buying Apple gift cards from your local grocery store (it's slightly less than 6% for the preferred if you take into account the annual fee, blue cash has no annual fee). Slightly more work for this, but even for someone that regularly buys Apple devices, it's not really difficult to do. The same trick can be used on other gift cards from other merchants too, plus there is the other cash back categories. So while I agree the Apple card is very simple, you can get greater gains with just a little more planning.

I've been using mine for a couple of years now and love... I love the way it does the monthly charges from the Apple store but I need to figure out how to pay it off early, seems I can only pay the balance each month.

This is good stuff. Although I really wish the actual card gave more percentage points because its probably one of the slickest cards out there.

Wow, you even made taking about the Apple credit card … into a cool video. At its introduction, I tried to apply and was told it was only for people who owned an iPhone. Then about a year later, I found out iPad owners could also apply. However, by then, I was no longer interested. Currently, I have been moving my cash assets into local credit union accounts offering 3 percent to 5 percent ARY rates (smile…smile).

Thanks for the video, I haven’t used my Apple Card since I. Got it in Oct 2020. I’m going to start using it.

love the ipod in the background shot haha nice

Finally this video Great thanks

i only use apple pay..the only time i touch my physical card is when i forget the numbers…so the prospect of earning 2% back when using apple pay is what caught my interest . what else should i consider ?

Apple Card is good for buying Apple products with 3% cash back but that's about it. You don't get any benefits such as purchase protection or insurance by putting it on your card like you do with other companies like Chase or Amex.

Love the review 🎉

This is a really good card to have as your first card. I do wish they did give you more when you were at restaurant. Also I kinda wish they changed the monthly payment

One important thing you didn’t mention about the physical card in restaurants is that in the US most servers take the cards back somewhere out of sight to process the charge. I’ve been the victim of fraud this way before, and I really like the fact that the Apple Card has NO numbers on it for criminals to steal. For this reason, it my go-to card in restaurants generally (unless Discover is offering 5% that quarter). The other thing I like about it is how easy it is to use with Banktivity or Quicken. Yes, it won’t automatically download into those financial apps, but at the end of the month it is easy to download through the wallet app and import with a couple of clicks into the software using any file type you want. I didn’t apply for the card for a couple of years because of not being automatic, but that small step is really NBD and it’s worth it to be able to use the Apple Card.

I got one last year and didn’t notice at first that I was earning it. Apple Cash just popped up one day and I thought, oh, what a nice tool. But then, my amount got noticeably large. I guess I didn’t really pay attention how much I was earning where. Now I think I should start using it more.

Great video, thanks for the info.

The Exxon 3 percent cash back reward has been great. That's about 10 cents a gallon at prices where I live. Add another 3 cents off a gallon with the Exxon Mobil rewards program. I can add another 1-cent discount by linking my AARP account (old man alert) for a total of about 14 cents a gallon. I've noticed that more merchants are offering a pay with Apple card option online,. I'm completely satisfied with the Apple card.

Not for avid travelers. We specifically collect our points not for cash back but for redeeming flights which is a lot cheaper than paying for it. IE. a return biz class trip to Asia cost $5k-$10k. With point transfers, you could get it for less than 200k points which if you get cash back, it's equal to < $2k.

I love how it is inconceivable to get up from the table and pay with your phone instead of handing your phone to the waiter. No hate, I’m sure it might be a cultural thing or something but I’ve gotten up to pay before with my phone or with debit cards and it has never been an issue. I definitely wouldn’t hand my phone to someone for them to take it though, that seems way more crazy to me than just getting up 😅

Recently got it a few days ago and so far it's been pretty good. Been thinking of using it to pay monthly on new iphones since they say no interest. Is there any hidden tricks behind it or is it straight up no apr at all?

It's very easy to go with your sever to the payment terminal to use the apple pay. I do it all the time at sit-down restaurants.

A bit confused about when you say the 2% with Apple Pay is superior to the double cash. Love the video great points, but if you pay your card off in full anyways you’ll get the 2% no problem. In my opinion, that’s a better condition because it’s 2% in your apple wallet or with the physical card vs 1% with the physical Apple Card and 2% if you can use Apple Pay. Great video!

I have and enjoy the Apple Card too. It is so easy to use and manage.

Some restaurants are starting to have handheld tap to pay but I typically use my chase sapphire reserve when dining though for my 3 points per dollar

The integration into the Wallet app is by far superior to any other credit card app - which makes sense as an Apple product. It’s my go-to card while traveling because of security and being able to rotate the security code on a moments notice or block the card - compared to other cards where you are just blocked from using a card for days or weeks until it gets resolved and issued a new card.

it's one of my favorite cards also. I tell everybody about it. I've had it for almost a year, I've gotten 2 generous increases and the cashback is great.

Great video. I use my Apple card exclusively for paying off Apple products, but now I am thinking I should use it more 🤔

I have used the Apple Card since it came out and love it.

Would be my main card… but they don’t integrate with YNAB or Mint so budgeting with it is a pain, so it is a special use card for me.

I’ve been using it a lot since the pandemic since a lot of restaurants in NYC has adopted the European style portable POS tap pay system.

I did not even know about these benefits… I just liked the titanium card. Awesome.

Great video and Apple Card insights Greg. Thumbs up!

I use a set of credit cards depending on what i need to buy; general wells fargo active cash ; 2% and sometimes bonus cash backs. And both chase freedom credit cards; one is for dining 3% and grocery 5% for first year. Both chase credit cards give $200 bonus for spending $500 is 3 months. by FAR a better matrix than the apple credit card for everyday purchases. If i shop @ amazon or wholefoods amazon visa signature 5%.

Wow! Great review!! Thank you. 👍 I had no idea there was so much to know and it makes sense as an argument to get/use the card.

Does the 3% count towards App Store purchases? And how about in-app purchases?

It’s extremely uncommon outside of the us for servers to take your card. They bring a terminal to you or you walk to the terminal. It’s in everyone’s best interest that this be the dynamic in the future.

Unfortunately, I don't get approved anytime I try. Good video with good information, so I watched to the end. Just not sure why KZfaq wanted me to watch a video about a card I never get approved for. LOL.

How do you get Daily Cash bonus categories? I have an Apple Card but I wasn't able to locate the lifetime earnings or bonus categories.

More restaurants are equiping servers with mobile payment systems. Two of the last three restaurants I've visited have had these. If they don't you can still ask if they have Apple Pay and walk over to the terminal to pay. Admittedly doesn't feel great doing that in a fine dining establishment but to get the 2%....

When will this card come to the UK? I've been waiting for it for so long...

I got the Apple card since September 2022, I agree it’s the best credit card I have. They gave me a low APR 13%. As long as you pay your balance each moth, Apple is paying you to use it.

During Covid I was able to pay my neighbors for things they did for me like mowing my lawn, etc. I just sent them payments through messenger. That alone became a BIG deal for me.

In England when I went. All I used was apple pay. All the restaurants had portable checks

*Which apple card firmware are you on?*

I definitely needed.

I really need that iPhone wallpaper!! Where did you get it from?

Great video I purchased my Apple iPhone through Costco/T-Mobile now if I had the Apple credit card would I have received the 3% through this transaction? Appreciate your reply.

Learned not to keep the white titanium card in a leather wallet in year 1. It will stain the card’s white coating. You CAN exchange your card out through the card interface though.

would you recommend this as a "first" credit card? i've never had a credit card before, and i'm trying to learn more and make decisions to help me build credit.

OG here. Got mine in August of 2019. I like it.

I use the card at restaurants, as several other cards I owned got cc#, expiration date, and 3 digit code copied by the person that takes my card to the back room to swipe. They can write it down or do a fast pic while my card is far from my view. The Apple Card only has my Name and no other information that is usable to that person. Also it keeps those walking by my table while my card is waiting to be picked up from persons with cameras walking behind me as I give my card out.

It's a decent starter card. That's about it.

Love my Apple Card

is it a good first credit card?

The way I stay on top of my payments is by letting the cash back feature build and just use that to pay my card off and I never worry about interest

I’ve never owned it yet what credit score do you need to get approved to bae able to get the card

yeah i've loved mine.

So glad i know this now

This all sounds amazing 😅 but I don’t think that we would be getting the Apple Card any time soon here is South Africa. Apple Fitness Plus is not even available here lol

Hey what are those shelves you have in your background?! Thank you if you see this

In Canada you never give the waiter your card they always bring a hand held machine to your table to take your card info, funny it's not like that in the US.

I'm still holding out for the Apple Card Pro.

Apple Card is my go to. 2nd is PRIME…5% back on anything you buy on Amazon.

Great video

I love the functionality of the card, BUT why can't you download the card's activity to a program like Quicken. I use Quicken to manage my expenses and help me with my income tax preparation. For that reason alone, I seldom use it.

The wallet app with Apple Card is so good! I wish Apple Card would have a few more perks. I suppose 1 quart per though is if you wanted to do Apple Care with your product you can do that over the length of time your financing that product instead of either the monthly charge until canceled or the two years all upfront 😊

My Dad has had the Apple Card for a little over a year, and the first time we used it was to buy my MacBook in 20222. The card will primarily be used for Apple Purchases and emergencies.

I live in Canada so unfortunately I can’t get the Apple Card (which I REALLY want). But if they were to implement it in Canada i’m wondering, is it compatible with the budgeting app Mint?

If they can make it available outside the U.S., I’d definitely get it.

After I got my 1st iPhone, the Card was my next product. Bought the Watch. A few months later I got my wife one too. Kinda sad I leave the titanium card @ home 24/7

The Cashback is outstanding! The highest I get from my cards is 1%. Sadly, it's only available in the USA.

Late to the party. I got an Apple Card end of September but I still did t get the physical card? I guess I’ll contact them unless your experience is that it takes a while to get it? Thanks. Update; turns out you have to order it, which I just did ;-}

Just got my physical card after setting my the digital version, adding it as the default in my apple wallet, and setting it up as payment in app store, itunes, and apple store. Found out today that I can't integrate it properly into any budgeting app. So now I'm having to remove it as default for multiple payment methods. Such a shame. I was looking forward to using it as my primary card.

Looking forward to getting one in 2032 once it's available in Finland.

Now they offer the savings account with an annual interest rate of 4.15%. I immediately opened one and transferred the money sitting in my USAA savings account that was only earning 0.01% interest.

I don’t like this card for the lack of purchase protection and extended warranty. They know that if they offer that on this card people would not buy AppleCare. So if you were to go to Best Buy and buy a TV you do not have any purchase protection or extended warranty on that product. But other than that I like this card but I do think that it competes with the X1 card very well. And I think the X1 card actually beats the Apple Card.

When using mine internationally my transactions only work the actual Apple Card as I haven’t found a vender that uses the app

I would have gotten this card but Apple has failed to extend this card to countries outside the U.S.. Even though they trademarked it and apparently were ready to set it up in Canada right before the pandemic, then the pandemic happened and the card was never brought here. We also don’t have Apple Cash in this country despite the fact that Apple Pay is in Canada and its more widely used by shoppers and businesses alike in this country than it is in America when you look at the stats. Very weird how Apple just kind of forgot about us when it looked like the card and Apple Cash was coming here.

I love the Apple Card, I just wish my available credit was higher. I suspect it'll be raised once I pay off other debts and dramatically decrease my credit utilization.

Love my Apple Card!

Do you think its a risk of them turning off your card like they disabled AirDrop in China??

I absolutely love the wallet app. It makes it SO SO easy to pay. Plus the spending tracking is a must have, and how it makes it super easy to see where your money is going. I use it for everything as a college student.

I have wells Fargo active cash card and I'm pretty sure that's 2% cash back

Things bad about apple card for those looking for a honest review. 1. Not many sit down restaurants acept apple pay. (even if they do there are cards like CCC that gives 5% with no anual fee). 2. NO welcome bonus (REALLY IMPORTANT). 3. No travel partners. So forget about using this card for flights. 4. And the biggest of all is that there a cards that are just better. The whole goal a credit cards should be have a wide selection for every use to get max value. And 2% flat with no welcome bonus it does not cut it anymore. this card is perfect for begginers but if you have credit. there are so many options that are just better.

Would this work let’s say for example or a few ex I pay my iPhone bill thru Verizon and it’s on auto pay since I’m paying off an Apple product and if I would to use the Apple Card would I get the 3% cash back rewards everytime? along with me having Apple Music I was also thinking of getting the new iPhone 14 pro max would that work? And I know I use Apple Pay alot since there’s no point of having your card nowadays since Apple Pay is everywhere especially with Covid hitting the us in 2020 but this would be a really interesting thing to apply for

Cool but I’m not old enough so going to have to wait a bit longer if I want it. Also kinda a shame that the physical card itself isn’t worth using but still a cool card.

I really wish they’d launch this in the UK. It’s baffling that they haven’t yet.

I can’t wait until the ePhone comes out! I’ll put it on the new eCard..lol

You can get 3% back at not just Apple wallet but *any* mobile wallet with the US Bank altitude reserve. Furthermore, rather than redeeming that cash back for money, you can use your rewards towards travel related purchases, by doing this you can clear them out at an even more favorable rate: 1.5X That means: US Bank 1.5 X 3 = 4.5% cash back on everything for not just Apple Pay but any other mobile wallet. Apple Card 2% back with no possible upside in value.