1. The lack of an ability to increase your credit limit is more of an annoyance. If you make a purchase that puts you over 30% utilization, you can turn around and pay the card off that day. They do not report how much you used the card, just what the the balance is on the statement. Even if you forget, the ding is only 30 days assuming you pay the card off in full. 2. For SoFi plus members, you get 2.2% back which beats most flat rate cards that are typically 2%. Are there better rewards out there? Sure. But 2.2% is the best rate you'll find on a no annual/monthly fee flat rate catch all card. 3. You should point out that SoFi is a bit stingier on their credit limits. I have 14 cards and SoFi is the lowest limit. 4. The sign up bonus, if there is one, can be less than optimal. I got like $15 and 3% cash back for the first year. The extra percentage turned into about $35 to $40 for me. Where something like the Wells Fargo Active Cash has a $200 sign up bonus, which blows the SoFi card out of the water. For me, I'm an optimizer. Having the 2.2% fall back is quite handy. I can live with the lower limit because VERY few purchases don't have another card that covers the purchase for better rewards. If you're not a SoFi Plus member, the Wells Fargo Active Cash, or the Citi Double Cash would be better options as you'll probably get better limits, better sign up bonuses, and access to more robust ecosystems.
@maureencora12 күн бұрын
2024 I Want a Leather Premium in That Color.
@joemeal33323 күн бұрын
what if u put 10k down and want to finance? what would be a good monthly payment then?
@Byte_J4 күн бұрын
One overlooked benefit is that it is explicitly stated in the terms of service that Apple and Goldman don’t sell your purchase data.
@mikevictor83904 күн бұрын
I just bought one and absolutely love it. Great review! There are a few things I would have loved for this to be included such as the bed step, bed side step and the remote start turns off once you get in the truck, which defeats the purpose of the app
@kunlebamidele61745 күн бұрын
I like your videos!
@That0neDud6 күн бұрын
I don't think apple will go under but i wouldn't be surprised if apple terminates their partnership with the card company which would cancel the cards
@alexosow7 күн бұрын
Getting extra rewards only using Apple Pay is crazyyy 💀 easy way to keep people using iPhones
@generalatwork6 күн бұрын
Exactly 😅
@1KingFisher7 күн бұрын
I use the Apple Card for my Apple purchases only. It’s great for that. Otherwise, it’s mediocre
@generalatwork7 күн бұрын
Good way to utilize it. 👍🏾
@abdiellara78167 күн бұрын
thanks, very good insight on all aspects of buying a car. again, thank you for your videos. well made.
@generalatwork6 күн бұрын
Thanks for watching! 🙏🏾
@jezuzxxx7 күн бұрын
Spending on food is a killer. I’ve spent $2,600 spent in food this year so far (August 2024)
@markg66058 күн бұрын
The RAV is looking very pricey especially when you have to add the tech package which was not mentioned in the video. I was going to consider buying this car or maybe the 2025 Honda Sport Touring Hybrid? The CRV drove very well and looks great.
@ahnonamos8 күн бұрын
Co-branded cards have a partner bank. If Apple goes out of business, the bank partner will likely just move those customers into one of their existing products. A current example is Walmart cards being moved to quicksilver now that the partnership with Capital One has dissolved
@israelnieves28178 күн бұрын
You just helped me not apply for the card. Thanks for the content 🙏
@generalatwork8 күн бұрын
Happy to help!
@EM80_Reviews9 күн бұрын
I applied and accepted on Saturday, seems like a good secondary card, definitely wouldn’t use it as my main card though.
@generalatwork8 күн бұрын
That’s how I look at this card. 👍🏾
@MyNameJim9 күн бұрын
That $300 targeted offer they’re sending out in emails is enticing though. That’s a really good offer for an $0 annual fee, 2% catch-all card I do wish the physical Apple Card allowed five swipes a month for 2% back or something like that.
@generalatwork8 күн бұрын
I would agree. I have been seeing that offer going around, but I definitely wouldn’t sign up for a credit card strictly for a welcome bonus in my own opinion. 🤷🏾♂️
@valg.31529 күн бұрын
I love my Apple card I treat my card as a debit card. I Pay it off on every purchase and goodsome of cash back👍🏼🤍
@cndoubles9 күн бұрын
my apple card is my favorite card out off all my cards. apple card and saving account has such a great UI.
@generalatwork8 күн бұрын
In my opinion it is a great credit card. 👍🏾
@photomaker450210 күн бұрын
Not living your life makes you poor.
@alparkranger13 күн бұрын
I got the 2024 GT convertible for $7K under MSRP. Love the car, and going from a Mazda CX5 the handling feels incredible. Bought it off the showroom floor which I always like to do if possible. Why? Although people may have sat in it and played with the dials (which there are few of), the upside is it didn't sit out in the lot for months being rained/snowed upon. And freezing and unfreezing constantly.
@TheRightPath-hm8df13 күн бұрын
Love the steering , you appreciate it on high speed interstate driving.
@boedilllard595214 күн бұрын
It is a shame there is no way to get the XLE with ventilated seats without getting the moonroof, and jbl audio system? I really really really don't want the moonroof or to pay to upgrade the sound from crappy to mediocre. If they offere JL or other good speakers I'd probably tolerate the moonroof.
@dnah0214 күн бұрын
Don't finance this unless you have a very large down payment otherwise buy it used.
@CJ3WT15 күн бұрын
Great video & great channel - sidenote - I initially thought that you were Anderson Paak lol.
@34skyline15 күн бұрын
just get both, i have the savor one and gold
@Hvacnc16 күн бұрын
Does canceling the Amex gold BUSINESS affect your personal Credit score?
@bhollingsworth17 күн бұрын
Buy used and skip all the BS....
@Sharky290117 күн бұрын
Yes this is without tax !,
@Sorablankk18 күн бұрын
Does Savor-one have car rental insurance?
@bricks-mortar18 күн бұрын
4:57 Price of vehicle is absurd. Toyota pricing that vehicle based upon being "full size" truck. 6:57 12 volt outlet in weird location. 8:22 The 120 outlet MOVED when you touched it. Thing is barely attached!
@Th33Vultur319 күн бұрын
Second
@remus424519 күн бұрын
I owned a used 2021 Camry Xle AWD with 125k miles on it and honestly, I thought it wouldn't be a good used car to buy with high mileage on it but turns out, it still runs pretty well. The only problem about that car is the previous owner kinda made some damage to the rims making it lead to having some bearing noises which I had to fix and the body came with some minor scratches but not really a big deal since you can’t really see it once you apply the correct color paint. Overall I wish they add some type of A/C or heat adjustment to the center cabinets for the back passengers.
@Victor482919 күн бұрын
A short a very detailed video about the new Camry, don't have to watch a 30 or 40 minutes video, Thanks.
@yobabybubba19 күн бұрын
Great review. Thank you. I just put a fully refundable deposit on the exact same car with the extra packages. I'm getting the front wheel drive. You know I live in the lower hudson valley of new york. I have always been okay with front wheel. Drives living here for the last 22 years. Unfortunately, it doesn't come in until mid. October.
@MyNameJim21 күн бұрын
First!
@dustins.9722 күн бұрын
Toyotas have always worked for people that drive far and go outdoors and service their own stuff. Find parts anywhere and don’t have to call a guy with a fancy computer
@dustins.9722 күн бұрын
Gotta 24 4Runner off-road. Plan on having it till I’m in my 40s then restoring it.
@Marcus_Wulfhart22 күн бұрын
Is it $1,500 Cash Back limit? Or do you get back 5% om the first $1,500 spent? (Which would make the card useless) I suspect it's the former, which would mean that you would have a $30,000 quarterly spend "soft limit" to get the max $1,500; which is much more reasonable and most people won't come close to spending $120,000/year on a credit card.
@Marcus_Wulfhart22 күн бұрын
Ok, did more research, and the max availible back on this card quarterly (at least from the 5% side) is $75. Worthless
@tananachen516923 күн бұрын
Damn them cakes are baked to perfection
@m22k3yt24 күн бұрын
Your channel gets extra points for the pika and Zelda poster in the background!
@Who.26425 күн бұрын
what if I get it but I only use it for shopping and I don't overdraft my card, would I still have to pay on the card?
@jasono367925 күн бұрын
Great video man very informative, love how down to earth and helpful u seem. Keep up the good work
@generalatwork25 күн бұрын
I really appreciate the comment. Thank you! 🙏🏾
@rbullock65627 күн бұрын
I love the ventriloquist delivery!! Awesome video!!
@generalatwork26 күн бұрын
Thank you 🙏🏾
@AngieC197928 күн бұрын
The savor one is a no for me. I applied and they gave me a starting limit of 3k. I have several high limit credit cards. Plus Capitol one I didn’t get the sign on bonus etc or the zero APR 😩. Other than that it don’t seem like a bad card.
@Ben..E12 күн бұрын
You probably got the Savor 1 with Good Credit, with the 29.99% APR. Capital One's algorithm may be looking at your other high limit cards and thinking that you are just after the Welcome Bonus and will only just let you use their card for the regular spending multipliers. The 0% apr would be great, but again... are they actually making money from you? If you want the 'Excellent' credit version, your score doesn't matter as much as the number of cards you got recently and the number of inquires for the last 2 yrs...and the number of Capital One cards already issued.
@AngieC197912 күн бұрын
@@Ben..Ethanks. Yeah that makes sense.
@yevheniisoboliev609228 күн бұрын
Nothing interesting… Robinhood credit card has 3% cashback on ALL the purchases without exclusions!!! This is what you have to know before applying to Apple card :)
@razminka.752228 күн бұрын
Great informative review!
@generalatwork28 күн бұрын
Thanks for watching!
@MyNameJim29 күн бұрын
I just applied for both, because of bitchass Chase not having a single grocery category.
@artgrabowiecki556529 күн бұрын
Heavy stearing sucks big black donkey dick
@dylanlaforest501929 күн бұрын
One note regarding closing the AMEX card. Most of the time they will let you downgrade” to a lower model that will not charge you annual fees.
@craigdapimp122029 күн бұрын
You can only downgrade to the green card or upgrade to platinum so you can’t avoid the fee. You can open an Amex everyday card with no af and keep membership points
@CPC9229 күн бұрын
You've got to take into consideration the Amex gold card benefits. 120$ for Uber/Uber Eats, 120$ on GrubHub, 84$ in Dunkin & 100$ in Resy. If you use all these benefits, thats 424$ - you're essentially being paid $99 to hold the card. Ofc, you might not use all of them, still easy to be net positive.
@jona208028 күн бұрын
If you don’t live near a Dunkin’ or rest restaurants it’s an easy choice for me to cancel the gold.