Who has the Apple Card?

[wasCB14]

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@M_Smart007 wrote:

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@pinkandgrey wrote:

Apple super-fans would see definite value in it. I'm an Apple super-fan but I don't have the card lol. They keep offering me ridiculously low SLs, so I never take the offer. 

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Remember @pinkandgrey, 3 card limit !!!

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Is that a garden/simplicity thing? Or a phone hardware limit?

[PullingMeSoftly]

I primarily use it to cover Uber and Walgreens at 3%, and am going to put a few smaller Apple store purchases on it in due time. Also I like the interface through wallet, etc, so yeah it's useful.

For anyone using an Uber family plan, however, the 3% Uber is only good for your own device charging the card as Apple pay, vs. my kiddos using the card through our family account, which then goes to 1% as a MC charge (so I have my Amex BCP as the card in place for the family account). Just fyi

[M_Smart007]

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@wasCB14 wrote:

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@M_Smart007 wrote:

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@pinkandgrey wrote:

Apple super-fans would see definite value in it. I'm an Apple super-fan but I don't have the card lol. They keep offering me ridiculously low SLs, so I never take the offer. 

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Remember @pinkandgrey, 3 card limit !!!

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Is that a garden/simplicity thing? Or a phone hardware limit?

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I think it is a just keep it simple thing. I do like to poke from time to time

[longtimelurker]

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@sladesurfer wrote:

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@Josh2942 wrote:

7 years ago when I was aping every day for every card on planet earth I would have picked this card up. Now that I'm solidly in the Chase eco system, I don't really app for cards that won't add benefit to my current mix of cards. Anyone seeing real value in this card?

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I have it. I think its the Best No Fee card out there. I use it as my backup No foreign Transaction Card

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What features make it that for you?  Purely for rewards, it doesn't seem Best to me!

[Anonymous]

Bought into the hype and recently got it lmao. All my apple care plans and phone payments go on there though.

[RickNATL]

I have it; not for its failing point structure...but moreso, I was motivated by the security (no number on the card), the metal card, the SL of $20K, and the technology idea behind the card...the bonus, it's Apple, a tech company. 

[Anonymous]

Even if you frequently use Apple Pay it’s still only 2%. Altitude Reserve gives 4.5% back for a net 75$ fee.

However the average person only really has like 1 or 2 cars so they probably get tons of use. I personally only use mine to pay for iCloud storage, Apple care and App Store purchases. If I drop my AR in a couple months then it’ll probably get a lot of use.

[KJinNC]

I have it. I only got it because of the SP application. I kind of regret getting it. That said, it's ok/fine from my POV. The problem I have is that I see Apple Pay options most often at restaurants, and I get 4x points with my Gold Card there, so 2% is lackluster. In cases where I can use Apple Pay on a non-category purchase, it is the same cash back as PPMC. I don't shop much at Apple Stores or Walgreens. I use the card every now and then "just because." I could easily live without it, and if I could go back in time, I don't think I'd have bothered getting it, but someone who either a) shops at Apple a lot or b) doesn't have very many cards to cover various categories would probably benefit from it.

I have like $1.44 in "Apple Cash" in my wallet waiting to redeem and don't know how (haven't bothered looking since it's only $1.44). For me, the interface seems fine, different, but not really better than other options I have. YMMV.

[Anonymous]

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@M_Smart007 wrote:

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@longtimelurker wrote:

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@Anonymous wrote:
You would find benefit in this card if you buy a lot of Apple products or frequently use Apple Pay.

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Isn't it 2% for most Apple Pay (I know it's 3% for some merchants)?   So that's no better reward wise than using Apple Pay with a standard 2% card.  

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I am pretty sure it was @Anonymous   .. posted something about an apple purchase,

using another method and blew the 3% out of the water. IMO

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Well, with some caveats, of course. You get 3% back when you use the Apple Card to pay for Apple hardware at Apple.com and the Apple Store.

But if you use a Citi Costco Visa Anywhere card and also have a Costco Executive Membership ($120 annual fee), you get 4% back plus a total 4 year warranty that includes theft and damage protection for 120 days. Only 2% back if you have the $60 Gold Membership.

Pricing for Apple hardware is cheaper at Costco, especially during the Christmas season. So I was able to buy a normally priced (Apple.com and store) $1099.00 Macbook Air for $799.99 in December. Yes, it's the same exact model number and not some cut down 'retail version'.

AppleCare+ is $249 for a 3 year warranty on that laptop. This would make the total price $1,307.56 ($1348 - $40.44 3% cashback) through Apple, using their card.

I paid $799.99 at Costco and got 4% cashback with a 4 year warranty. To be fair, AppleCare+ does include technical support, so the Citi card included 4 year warranty isn't exactly the same. Add in the $120 annual Costco fee and it's still $919.99 and a savings of $419.56 (387.57 + 4% back on the $799.99).

[kerplunk]

Why would someone want this card? 

Even my U.S. Bank Cash+ has better cash back rewards at the Apple Store (5%, electronic store category).