There have been plenty of individuals who have accepted the offer (because it's an Apple Card, it's Titanium and whatnot). On the other hand, there have been instances where some members did not accept the terms, exited the application and simply waited until better terms were offered, whether that meant a higher SL and/or lower APR.
Now, if you are in the PIF camp, then the APR is likely a non-event if you want the card. Or, you can wait and try again at some point and see if the offer changes.
