I think it's an overhyped card, but will be great for those that buy a lot of Apple products and use Apple Pay. I'm neither of those so it doesn't appeal to me.
However, i'll be in the market for a new Macbook Pro next year when they introduce the 2020 version with new keyboard (I was going to buy a 2019 until i heard the news of the crappy butterfly keyboard being replaced for 2020). I'm also going to likely upgrade to the iPhone Xs Max this year when the iPhone 11 comes out.
3% back on Apple products is appealing, especially since i'll be buying two apple products within 20 months of each other. However, the CFU with 3% back the first year, is still a better deal. For those of us going after UR points anyway.
At the end of the day, it's aimed at apple die hards that use apple pay a lot and buy new apple products every year when they're introduced. For the rest of us, it doesn't make a lot of sense as there are better cash back/rewards cards out there. Even if you're buying apple products.
I'm not really sold on the 3% Apple discount, even for people who buy big-ticket Apple items frequently, because you can probably still come out better if you shop around. As an example of what I mean, my brother recently decided to buy his daughter a MacBook Pro as a college graduation gift. I get a corporate discount on purchases from Apple. But, he found a lower price from Best Buy, anyway. I am not sure what percent discount my corporate discount was, but I doubt it was much under 3%, which makes me suspect you'll be able to save more money by shopping around beyond Apple in most cases.
However, I will admit that the 2% via Apple Pay sounds better the more I think about it. One problem, my phone is an Android. But I'm not loyal one way or the other, and would potentially switch back to an iPhone if it made sense overall. Meantime, I assume I could get 2% most places online.
My sock drawer is in desperate need of a sexy titanium card with no AF. I think most MyFicoers have their rewards driven spends down to the last nickle and have no room for this card in any capacity.
I utilize Google services, vs Apple. But the problem with not using Apple Pay is the same as why i don't use Google Pay very often.
It's because not that many merchants accept it yet. As soon as you have all the merchants that accept a standard credit/debit card, accepting Google/Apple Pay then you'll have more people using the service.
It's because not that many merchants accept it yet. As soon as you have all the merchants that accept a standard credit/debit card, accepting Google/Apple Pay then you'll have more people using the service.