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My full review of the Apple Card after using it as my exclusive credit card for 3 months! So far, my experience has been great, and this card truly helps you to avoid interest charges.
Get the Apple Card: www.apple.com/apple-card/
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Back in March, Apple announced the Apple Card. I got it, and I actually love it. It has classic Apple packaging and comes with the fancy titanium card that won't bend. Here is my full Apple Card Review after three months of use. Is the Apple Card Worth it? Let's see!
It's a free card, with no annual fees, and some simple, but useful benefits.
The card design is simple with no numbers. Just my name, and the chip on one side, Goldman Sachs and MasterCard logos on the other side, with a magnetic strip that hardly looks like one.
Apple is clear that there are no hidden fees with the Apple Card.
With the Apple card, using the physical card, or card number, you get 1% back. So if you go to a gas station, you get 1% back as daily cash. Apple uses daily cash, so you get your 1% back immediately the next day, in cash.
When you use Apple Pay, you get 2% back. Apple pay is easy, and very secure. When I preordered my Tesla Model Y, I put down $2500 which is the reservation fee and used Apple Pay on the Apple Card. This gave me $50 back the next day. Pretty nice.
Then, with Apple products bought on the Apple card, you get 3% back. They also do this 3% back for Uber, Uber Eats, T-Mobile, Nike, Duane Reade, and Walgreens. I can't imagine most people buy enough apple products to buy this card for this reason, but it's nice. Also, at Christmas, apple was running a deal with 6% cashback on apple purchases on the Apple card. In this case, if you're already buying a laptop, you may as well get your 6% back with the apple card.
Apple Music, iCloud, Products, etc. are all included in the 3% back.
Those are the benefits of this card, but the app itself is what I like.
The Apple Card interest rates of Apple Card APR is 12.49%-23.49%. Not great, but comparable to most credit cards out there. If you're looking for the best rates possible, this isn't the card for you.
The lender is Goldman Sachs, and the Card Provider is Mastercard.
Since there is no signature on the Apple Card, you actually don't have to sign for it.
Now I demonstrate a walkthrough of the Wallet app itself and demonstrate what Apple Cash adding up from daily cash looks like.
It lays out your transactions really clearly, and it's very accurate. It will say the store's actual name.
The balance is very clear, with statements easily accessible.
The Apple Card in the wallet shows weekly activity and organizes each into categories: Entertainment, Food & Drinks, Transportation, etc, and it colors the card depending on what you spend on.
When you click the pay button, it is VERY clear how much you have to pay in order to avoid interest charges. It will show you when interest will be gained, and even estimate the interest charges on the date that they will occur. The slider is very easy to use, and the best I've seen from any credit card.
You get notifications from the apple card that you need to pay, and the exact amount you have to in order to avoid interest.
To pay, it's super easy, and links to your bank processes with Apple Pay and charges your bank.
To get the card number for a website, you click "card information", it uses Face ID and will show you the card details that you can copy into a website.
It's incredibly useful and clear.
That's the Apple Card. You don't have to get the physical card. You can actually just use the Apple Card inside the wallet app, but you might as well buy the physical card.
Keep in mind, that if you feel trapped in the Apple ecosystem, the Apple Card is another way to make sure you stay there.
I think the Apple Card is the best card that helps you avoid interest charges.
What do you think of the Apple Card? Is it stupid? Flashy? Useful? Let me know in the comments!
#AppleCard #AppleCreditCard #ApplePay