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Congratulations. Whether you accept is a personal choice. It is 3% at Apple, 3% at Walgreen's, 2% everywhere when using Apple Pay, and the physical card is 1% everywhere. If you accept the offer, they will do a TU HP. The card reports only to TU for now. So, if you have cards from issuers that only use Equifax or only use Experian, you are still sort of in the garden as far as they are concerned.
In a moment of weakness, I accepted a $5k offer, similar interest rate to yours (don't remember the exact decimal value). Both Apple Pay on iPhone and the physical card are cool and slick, but not sure it was really worth getting, since I have better rewards on other cards for where I actually spend money. The only place it technically makes sense for me to use the card, given my spending patterns, is when I buy a birthday card or something at Walgreen's. Guess it doesn't hurt much, though. If it would be your highest CL, it might be worth it for that reason. JMO, good luck!
I do shop at Walgreens sometimes so that could be useful to me but there are some places i saw listed where i can use apple pay. I am trying to get my scores to increase more. I make my payments and have nothing negative ever on my report. If i accept this offer i will have 4 cards in all and i may stop there since i don't see anything else for me.
Congrats and let us know how everything turns out
@Zeno wrote:
I accepted the offer and got card in mail the other day. I haven’t used it yet but I like how the card feels. I saw a picture of the Apple Card that had mixed colors like a rainbow. I like that design as well hopefully that can be a color option in future.
That is how it will look in your Iphone wallet. The color is based upon the categories you spend in.
Congrats!
Congrats on the approval!