>It seems to me that Apple can offer reduced fees due to the fact that they'll have less fraud as a result of requiring touch/face ID for every purchase. I don

>It seems to me that Apple can offer reduced fees due to the fact that they'll have less fraud as a result of requiring touch/face ID for every purchase. I don't think that's a big component of it. It's probably has more to do with Apple users being inherently more credit-worthy. If you're well-heeled enough to be neck deep in the Apple ecosystem in the first place, you're probably less likely to be in credit default.