@Anonymous wrote:
@Aim_High wrote:
@Anonymous wrote:I might close my Citi DC and Apple Card.
Apple Card is not high value to me either. I think many of us wish we had not applied.
I think a lot of us regret getting the Apple Card including myself haha. I just use mine for AppleCare and Apple ID purchases.
Apple Pay has such a limited coverage. I tried for awhile but got tired of asking cashiers if they had it. Sometimes they claimed they did but I couldn't get it to work. I'm a regular coffee-drinker and have mainly used it for coffees in my travels (Starbucks, Dunkin' or the like) and it's also useful at Walgreen's to get the 3% back, even though I could get that now with my AOD FCU Visa. Even though I could probably close many of my other cards if I knew that 3% card would last, I'm still holding my breath. IMO, forefeiting a little bit of rewards on some cards is a valid trade-off for maintaining my diversity and flexibility with lenders and cards, which is why I said earlier that I probably won't close any cards for now. I don't have too many to maintain over the course of the year and they all could be useful for one reason or another. One thing I've learned in my 30+ years of credit is that change is inevitable! The cards you're using today may not be the cards you're using tomorrow, much less in five or ten years worth of changes!
Looking again, I see that Apple Pay is (supposedly) available a lot more places than I've been aware, but many of these I have cards that pay at least 2% if not even more anyway, so what's the point of remembering to use it? I still think Apple and Goldman Sachs needs to up their game if they want it to be a larger player in the market. Only getting 1% on the physical card is just not enough and the higher-paying categories are too limited.
Chick-Fil-A, Jersey Mike's, Kohl's, Panera Bread, Costco, Macy's, Target, Staples, Safeway, Albertson's, Trader Joe's etc ...
Use Apple Pay for:
https://www.apple.com/apple-pay/where-to-use/
@Anonymous wrote:In my experience, most places I visit have it such as grocery stores, liquor stores, some clothing stores, gas stations etc. I use Apple Pay a lot with my Altitude Reserve for the 4.5% back. IMO the AR is the best card for mobile wallet spending for just a net 75$ fee. I think that is a better alternative if you can swallow the 400$ AF (75$ after 325$ travel credit).
I do believe that all Apple Pay purchases should be 3% for the Apple Card. It's too many 2% cards out here for anyone to favor using the Apple Card. If it was 3%, I think a lot of people would use it.
I've considered Altitude Reserve for the long-term. While I love my Chase Sapphire Reserve, I think I could get value-added from AR, certainly much more than I'd get from AMEX Platinum in my case. However, I don't have US Bank in my area, and would probably start with Cash+ card since AR is only for existing customers. And from my understanding, they can be quite picky on new accounts so I will need to garden for that. Cash + would especially be helpful on home utilities since I don't have a specialty card for that spend.
The 4.5% return on AR mobile wallet ... is that good for travel redemptions through USB's portal and/or the "RTR" (Real Time Rewards)?? Those are both separate processes, correct?
Yes. The 4.5% with 50% bonus works for both the travel portal and for eligible charges using RTR. All of my redemptions have been charges made directly with Delta and I just reply "Redeem" to the text USB sends. The credit is immediate.
