Apple Card

[UncleB]

I've recently changed over to iOS, and I see an offer to apply for the Apple Card every time I open my mobile wallet. 

I have the U.S. Bank Altitude Reserve so I'm thinking there's no need to bother with the Apple Card.  That said, I know things change (sometimes rapidly) and I admit I've not paid a lot of attention to this product until now, so I'm checking-in to make sure there's nothing I'm missing or overlooking.

The AR clearly has the Apple Card beat for routine purchases (4.5% vs 2%) so that part is fairly clear.  Same for Apple purchases, 4.5% beats the 3% offered by the Apple Card.  Phone financing doesn't apply to me since I pay annually for a single-line prepaid plan and Apple Card financing is limited to those with a postpaid plan.

So, outside of a sign-up bonus is there any reason for me to consider the Apple Card? 

Note that I've seen the links floating around for $100 or $300 bonuses, but the fine-print on both states the offers are only for those who received an email solicitation and I'm not willing to risk it.

[Gregory1776]

literally being able to finance their over priced computers that work extremely well. I was just considering getting a monitor / TV Gaming. 1,600 and 5K im absolutely certain theyd be amazing but there are good options for 1k

[UncleB]

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@Gregory1776 wrote:

literally being able to finance their over priced computers that work extremely well. I was just considering getting a monitor / TV Gaming. 1,600 and 5K im absolutely certain theyd be amazing but there are good options for 1k

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Yeah, there's not much chance that I'll have a need for anything Apple other than a phone.  I have a love/hate relationship with Microsoft that is just too entrenched for me to consider switching to a Mac. 

Unless/until there's a good ($200+) sign up bonus I'll likely be sitting on my hands.  I really don't need (yet another) sock drawer card at this time, especially if there's no bonus attached. 

[GZG]

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@UncleB wrote:

So, outside of a sign-up bonus is there any reason for me to consider the Apple Card? 

Note that I've seen the links floating around for $100 or $300 bonuses, but the fine-print on both states the offers are only for those who received an email solicitation and I'm not willing to risk it.

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you want to take a gamble on whoever apple card switches to as a lender and something about that lender will make it positive that you have their card?

you want the card before/if they remove apply with confidence when they do the switchover 

you think the apple card and its apply with confidence feature is cool and you want to, in some way, show other lenders that the apple card is cool and they should be copying the apply with confidence model by having it on your credit report 

you want to help a P2 with credit by making them a joint-owner, and giving them a high limit, it's a true joint owner card so they will be a card owner as well not just an AU, each personally responsible for payment, either one can close the card at any time.

it's cool and metal card goes clink clink?

[UncleB]

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@GZG wrote:

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@UncleB wrote:

So, outside of a sign-up bonus is there any reason for me to consider the Apple Card? 

Note that I've seen the links floating around for $100 or $300 bonuses, but the fine-print on both states the offers are only for those who received an email solicitation and I'm not willing to risk it.

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you want to take a gamble on whoever apple card switches to as a lender and something about that lender will make it positive that you have their card?

This is something to consider, but it looks like we have some time before the switch (the new lender hasn't even been announced) so no real urgency there.

you want the card before/if they remove apply with confidence when they do the switchover 

I'm pretty confident there wouldn't be an issue with approval, but fair point.  Ironically, I've not even tried it out yet to see what a hypothetical limit and APR would be, LOL.

you think the apple card and its apply with confidence feature is cool and you want to, in some way, show other lenders that the apple card is cool and they should be copying the apply with confidence model by having it on your credit report 

LOL.

you want to help a P2 with credit by making them a joint-owner, and giving them a high limit, it's a true joint owner card so they will be a card owner as well not just an AU, each personally responsible for payment, either one can close the card at any time.

No P2, and not likely to ever be.

it's cool and metal card goes clink clink?

Metal is heavy, and I have plenty of 'em already.

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That was fun... thanks for your perspective!

[Gregory1776]

I really wish they'd make the apple card more apealing....

[Jnbmom]

I agree with @Gregory1776 .

I have the card use it for 3%, but nothing really is special . I was an android user for years but daughter talked me into switching to IPhone .

I honestly got the card b/c I could if that makes sense lol .

The only plus for me is SPs for CLIs and since I am stuck and have been for over at year at 16.5 the card is less appealing .

i do like their customer service though , they are on it if you have an issue , but other then that not much going for them .

[Anonymous]

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@UncleB wrote:

I've recently changed over to iOS

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UncleB?   Never heard of him.

[Ushio]

The reasons I keep mine open despite having better cards are:

A (the big one): free financing of Apple products.

B: free card with no FTF. Nice to have as a backup for my travel card just in case.

C: integrates very well with Apple products (which I use anyway).

I don't think you're really missing anything. It's not really a mainline card unless you're the kind of person who isn't into credit cards in general. But I think it can be a useful one to keep in your back pocket as an option just in case sometimes.

[swankytiger]

we also dont know which bank is going to get the apple card since GS really doesnt want to keep it, and apple is apparently pretty specific with what they want.