sirlance99

Apple knows it's clientele incredibly well. Titanium card for no AF, 2% with ONLY Apple Pay and 1% MOST everything else, Machine learning + Apple Maps to simplify finances. No Forex fees on a no AF card is nice.

Sounds pretty interesting to the normal person, but horribly mediocre to people that maximize credit cards full rewards. 

hmlongco said:

sirlance99 said:

Standard isn’t always best when many cards have better rewards than 2%. Also, my standard purchases are extremely low compared to other categories. There’s practically nowhere that I purchase things that I can’t get at least 3% back and up to 5% on most things. 

Depends on how one defines "best", doesn't it? The Amazon Prime Store Card, for example, gives you 5% back... with a 28.24% annual APR.

Apple committed to a low (albeit unspecified) APR, with no fees, no late charges, and no penalties. Not to mention the not-so-minor fact that you get your rewards back daily as Apple Cash. Not at the end of the month, not when you redeem them. Daily.

Then there's the secure unique randomized card number per transaction. No number or signature to steal on the physical card. No tracking of purchases. No sales of transaction data.

I don't know about you, but there's a ton of value in privacy and security.

lordjohnwhorfin said:

Shut up and take my money! (and give me 2% back)

Soli said:

sirlance99 said:

Soli said:

1) It's about time someone stepped up to offer a financial incentive to using Apple Pay.

2) That card looks great and I'm glad there is no signature on it. I never understood why that was ever a thing, like some minimum wage retail employee can gauge whether my sig was forged or wether I was just lazy in signing.

You’re such an elitist. Some of the best and most intelligent people start out as a “minimum wage retail employee”. Stop acting like you’re better than everyone all the time. 

And these people are handwriting experts? 🤦‍♂️

Soli said:

1) It's about time someone stepped up to offer a financial incentive to using Apple Pay.

2) That card looks great and I'm glad there is no signature on it. I never understood why that was ever a thing, like some minimum wage retail employee can gauge whether my sig was forged or wether I was just lazy in signing.