chemengin1

emoeller said:

chemengin1 said:

rob bonner said:

Not trying to be negative on this, really asking.  Why would anyone want this card?  The rate is pretty high, the integrations are interesting but don't really add that much value IMO, and I can use Apple Pay with my existing card.  What is the draw?

There is none (being serious). 

This is only the third credit card I have ever had (the other two are AMEX and Visa).  Here are the reasons I chose to sign up:

1)  Extremely secure.  There is no fixed card number, and if the physical card is used and a card skimmer or waiter steals your card number and pin, a number can be created instantly.  So there is no interruption in use of the card.

2)  No Tracking.   You are not identified by the retailer by name or by card number.  They only receive meta-data, they cannot track you (unless you want them to by signing up for some "deal" in which you have control over what information you give them)

3)  Having instant info on spending is very handy, and provides for instant recognition if charges are incorrect, thus allowing for immediate corrections.

4)  Reasonable interest rate (mine was a high limit with a 12.99% interest rate).   Not a big deal of me as I pay off my balance every month.

5)  Complete control over payments.  I simply set mine up to auto pay from my bank at the end of each month.   I don't incur any interest charges and I'm sent notifications well in advance so I can balance my bank statements.

6)  Very detailed (and very Apple designed) infographics on spending by category and retailer.   Also the info on the retailer is in plain english with business name, address, map, and contact info.  Very handy for looking back at what I purchased and from whom.

7)  There are no fees, and no late fees, or currency fees.

8)  Ties to my Apple Cash account, and of course there is the instant cash back features

9)  So far so good, I've made a couple of transactions and set up auto pay.  I will evaluate how this works for me (about 65% of all retailers in the US now accept Apple Pay/Card) to see if this is something I want to use long term.  But I know from experience that Apple Pay works extremely well and fast at checkout, especially using my Watch, so all of my Apple Pay will be done using this card going forward.

10)  Longer term I can see using this card (or something like it) to manage all of my payments (retail purchases, mortgage, other credit card balances (not available now), utilizes etc, etc) from a single source while I am mobile.

SpamSandwich said:

chemengin1 said:

Most underwhelming phone ever announced.

These announcements bring out the trolls. Thanks for making it easier to find and block you.

• Same old design
• Massive bezels
• No 14" display
• Only 2 TB ports??
• 720p front camera??
• 16gb max memory

Soli said:

chemengin1 said:

@Soli ;

First of all, the Fidelity 2% cashback card, Citi double cash card, and Paypal cashback card are all free cards that offer 2% cashback on ALL purchases. So yes, these all exceed the 2% offered by Apple on Apple Pay purchases only. Not to mention the various sign on bonuses, price protections, and extended warranty coverages these cards offer that Apple has yet to (if at all) announce for the Apple card. 

Seconf of all, regarding your "thousands of dollars" you spend each year directly from Apple, well, you're just a fool for spending full price when you can easily find the products (even new ones) for a discount much greater than the extra 1% you get with the Apple card. For example, Amazon is selling the new iPad Air for $469 while selling for $499 at the Apple Store. Many people have the Amazon Store card or Amazon Prime card, both giving 5% discount on ALL Amazon purchases. So in the Amazon example, 6% discount on base price plus 5% Amazon card discount is 11% total discount from purchasing from Amazon vs Apple Store. How does your 3% sound now?

You have fervently defended this Apple Card and decried anyone else with valid facts as to why the Apple card is not the best card as trolls which is clearly untrue.

1) I love these 2% from Apple is less than 2% from anywhere else comments. There's even an argument to made that Apple's 2% is actually higher in terms of value for Apple Pay-based payments because you get paid out daily, unlike the Citi card you mentioned that won't even pay you the other half until after you've paid off your card. That means for the same purchases in a given money using Apple Pay the Apple Card will cost consumers fewer funds to be transferred from their account to pay off their balance. But I'm not even trying to get into that minutia—I'm only looking at 1:1 ratios of percentage points and wondering how you people  can say that you get better than 2% for Apple Pay transactions and then post 2% cards.

2) What's this? You shop at different places because they offer different benefits? You also use an Amazon card at Amazon because you can get 5% back which is better than using any of the 2% cards you mentioned in your first paragraph? Funny how that works, and yet you completely ignored how different card can have different benefits when it comes t the Apple Card. As for buying at Apple, I don't use an iPad but I do buy a new MBPs with a student/teacher discount every year, but I also buy plenty of other things from Apple that are not offered elsewhere which is why I currently have their Barclay's card for 3% back. It's good enough for such purchases but it comes as an Apple Store gift card when I'd rather pay down the balance, hence the Apple Card will be a better option when buying certain items directly from Apple.

3) You haven't have valid facts. You've literally stated that 2% from anyone that isn't Apple exceed 2% from Apple. if you people don't see a need for an Apple Card then simply don't get one, but to claim as fact that no one will benefit from it, or make claims about how you have the perfect number of credit cards as proof that no one can benefit from it is insnane. The fact is this card will bring attention to Apple Pay and help usher in even more awareness of a more secure method for using credit and debit card that even you'll benefit from regardless of how you feel about Apple or Morgan Stanley.

StrangeDays said:

canukstorm said:

StrangeDays said:

GeorgeBMac said:

I get it why they designed it this way.   But, essentially, it makes it a $2K+ disposable computer (it can't be upgraded and it can't be repaired) and that just goes against my grain.  I think I would have to carefully balance the benefits of the computer (and specifically how they would benefit me) and weigh that against the limited repair and upgradeability.

On the other hand, these are aimed at the truly "pro" market -- meaning not just power users but those who make their living with these machines.  So, for them, if it breaks they will be more inclined to treat it like any other piece of equipment and replace it.

Non-user-upgradable doesn’t mean “disposable”. It means you can’t upgrade it. It surely can be serviced if the need should arise. You can also resell it, as well as recycle it. Just like an iPad or even a car, neither of which most consumers ever perform repairs themselves on. 

It’s like complaining that your TV is “disposable”, despite having an expected lifespan of many, many years, and TV repair still being a thing. (I’ve had my expensive, non-user-serviceable plasma for almost a decade.)

That being said, despite being in IT I don’t know anyone, pro or consumer, who repairs their own laptops, TVs, or even cars (other than brakes or oil which isn’t really repair). Apple doesn’t design its products for DIY tinkerers. 

You're wasting your talent as a developer.  I'm pretty sure if you go to the Apple jobs site they have positions for Apple Shill.  You'll do great at it.

You certainly aren’t wasting your talent as a whiner, your abilities are world-class. “But but but...Aaaaple!”

Let me know when you can discuss the points rather than fall back on insults. 

StrangeDays said:

shahhet2 said:

StrangeDays said:

chemengin1 said:

StrangeDays said:

rob bonner said:

Not trying to be negative on this, really asking.  Why would anyone want this card?  The rate is pretty high, the integrations are interesting but don't really add that much value IMO, and I can use Apple Pay with my existing card.  What is the draw?

2% cash back on NFC, 3% on all Apple products and services, no annual fee. Why wouldn’t I want to use it for my Apple Pay card?

That doesn’t mean I’ll use it for everything, of course. 

The interest rate is quite poor (24% for good credit), but I don’t plan to carry a balance. 

At least 3 cards available today offer 2% cash back on NFC AND non-NFC purchases.

Apple products can often be found on Amazon at equal or lower price than Apple.com and paid with Amazon Credit Card for 5% back.

Itunes gift cards can easily be found online for at least 5% off.

So what's the advantage?

What are the 2% cashback no fee cards?

I don’t buy my Apple gear from Amazon. Nor does that cover App Store, iTunes, iCloud, etc which are 3%. 

So the advantages for me are there. If you’re pretending I’m saying it’s the only card for everybody for all use cases, you’re being silly. 

It has been reported so many times and you are already aware of it.

Citi Double Cashbacks

Fidelity Visa Signature

Capital One Quick Silver

I am sure you will come back with item that is unique to apple card to make an argument. 

Quick Silver - 1.5% cash back. 
Citi Double - 1% at purchase, 1% later when paid. 
Fidelity Visa - uses points. Rate is higher for unpaid balance than AC

None of cards also come with 3% on anything Apple (hardware, software, apps, services, cloud, rentals, music, etc), using them instead of AC for these use cases is losing money, and at best they’re no better for NFC uses, which is my primary use case.

And as other have mentioned, currency conversion rates are higher. 

Just get over the butthurt — no one card is perfect for everyone or every use case. For many of us, the AC is a good choice for our use cases.