Deal-breaker for many people - the Apple Card will not be able to sync with budgeting apps like Mint.
Hum. Perhaps Apple will enter that services market as well.
This is likely something GS needs to add. Their Marcus service is fairly new and has yet allowed access QB, Mint, etc.
It would seem to be a natural fit for Apple, a company that seems to be quite committed to protecting its customers' data. There is likely a business model for Apple to offer traditional banking services on their platform as an enticement to buy more Apple products. I'd certainly be interested in an Apple checking account and brokerage services.
No, it is not about privacy. After all, to my knowledge, Intuit has not had concerns or issues with privacy. It is about locking users into and only into the Apple ecosystem.
What on earth are you talking about, specifically?
Many of Apple's products stay inside the home or are invisible (computers, services). But the Apple Card is typically carried outside the home and thus can be a carryable status symbol. If I can get one, here in Canada, it will certainly be the front card in my wallet.
Mine won’t be carried on my person. I have no internet in using it for 1% rewards and carrying another card defeats the purpose of moving towards a digital wallet.
Ordering the physical card is optional. No doubt Apple is fine with you not ordering one. Saves them money.
Oh? When you applied, it gave that option? Interesting, hadn't heard that was the case.
Got my invite today. It didn’t mention the physical card was optional. Whole process took 1 minute.
Did you have to click the order the card button? It was a distinct step when I completed the invite. Since I want the card, I don’t know what it would do if you didn’t click the order button.
I am hesitant about the new Apple Card. Is it really a good value for a credit card? Since Apple only gives you a 3% rebate on Apple products purchased with their card and I can get 5% using the Amazon credit card on the same Apple products sold on Amazon at the same price, why would I want to purposely lose money on an Apple product purchase? So on a $199 Apple TV you would get back $5.97 back from Apple versus $9.95 from Amazon. You decide which is the smarter purchase. I think Apple needs to up the game and start giving 5% rebate on all Apple products or else they will lose out to other credit cards, sleek titanium card or not.
I am hesitant about the new Apple Card. Is it really a good value for a credit card? Since Apple only gives you a 3% rebate on Apple products purchased with their card and I can get 5% using the Amazon credit card on the same Apple products sold on Amazon at the same price, why would I want to purposely lose money on an Apple product purchase? So on a $199 Apple TV you would get back $5.97 back from Apple versus $9.95 from Amazon. You decide which is the smarter purchase. I think Apple needs to up the game and start giving 5% rebate on all Apple products or else they will lose out to other credit cards, sleek titanium card or not.
In that case you wouldn't. That's why most of us have a variety of cards that we shuffle for different types of purchases. While I have purchased Apple products through Amazon and their resellers I often get them from Apple directly because their resellers typically don't have supply and have long wait times before shipping after purchase when I want to walk down the street to my Apple Store to pick it up right away.
I am hesitant about the new Apple Card. Is it really a good value for a credit card? Since Apple only gives you a 3% rebate on Apple products purchased with their card and I can get 5% using the Amazon credit card on the same Apple products sold on Amazon at the same price, why would I want to purposely lose money on an Apple product purchase? So on a $199 Apple TV you would get back $5.97 back from Apple versus $9.95 from Amazon. You decide which is the smarter purchase. I think Apple needs to up the game and start giving 5% rebate on all Apple products or else they will lose out to other credit cards, sleek titanium card or not.
One reason you might forgo the extra $3.98 is that with Apple you get some assurance of privacy where with Amazon you are guaranteed to have your purchase information sold for advertising. I’m the kind of person who does not use loyalty cards in stores even if they give discounts. I hate being spied on. YMMV.
Apple Card is really a non-card. If you want to take advantage of the one feature that anyone really cares about (cash back) then you will use Apple Pay to achieve that goal. The shiny (or matte finish) titanium card is the window dressing for your physical wallet, Apple Pay just got a lot better.
There is little chance that that titanium marvel will ever see anything but the inside of my desk drawer. For the few times that I do not use Apple Pay I will use one of my other cards that pay more than 1%.
2%
His statement is correct as stated. For the times when he's not using Apple Pay the Apple Card will only offer 1% cash back, save for Apple Store purchases, so his other physical cards which offer better than 1% will be used.
Yeah, I went back and reread it. My mistake and I’ve edited my comment.
Seems like a mediocre card with regards to benefits (IMHO). I've got an Uber VISA that gives me:
1% on all purchases 2% on all online purchase (including Apple) 3% on travel/hotels 4% on restaurants
I don't really care about the "prestige" factor; I care about what I'm getting out of it.
I may be misreading their Terms and Conditions but two things stand out. What that card pays is in points and, as stated, “All redemptions are at a 1% value.“.
Apple Card is really a non-card. If you want to take advantage of the one feature that anyone really cares about (cash back) then you will use Apple Pay to achieve that goal. The shiny (or matte finish) titanium card is the window dressing for your physical wallet, Apple Pay just got a lot better.
There is little chance that that titanium marvel will ever see anything but the inside of my desk drawer. For the few times that I do not use Apple Pay I will use one of my other cards that pay more than 1%.
2%
His statement is correct as stated. For the times when he's not using Apple Pay the Apple Card will only offer 1% cash back, save for Apple Store purchases, so his other physical cards which offer better than 1% will be used.
Yeah, I went back and reread it. My mistake and I’ve edited my comment.
Seems like a mediocre card with regards to benefits (IMHO). I've got an Uber VISA that gives me:
1% on all purchases 2% on all online purchase (including Apple) 3% on travel/hotels 4% on restaurants
I don't really care about the "prestige" factor; I care about what I'm getting out of it.
I may be misreading their Terms and Conditions but two things stand out. What that card pays is in points and, as stated, “All redemptions are at a 1% value.“.
Comments
What on earth are you talking about, specifically?