If you're shooting for rewards, there's no point in talking about interest/fees. Interest/fees negates the rewards rate of any credit card many times over. The

If you're shooting for rewards, there's no point in talking about interest/fees. Interest/fees negates the rewards rate of any credit card many times over. The right way to use a credit card is to put whatever spending you can afford to pay off immediately on the card, pay the card balance, and pocket the 2-5% in rewards. All while not paying anything in fees/interest. > 3% on travel matches Apple I'd like to point out that you shouldn't compare 3% on travel/dining spending to 3% on Apple spending. They're not comparable in that way. > Buy music and videos online? With Uber you're capped at $50 cashback per year. And you only get that after you spend $5,000 within 12 months. And then the clock resets. You're talking about the $50 statement credit that gets applied only if you spend at least $5,000 in a single year. This credit is in addition to the normal cashback rate (which is 2%). The normal cashback rate on the Uber card is uncapped. 2% cashback is not worth talking about in the age of the Citi Double Cash/Fidelity Rewards card. > Too many games. Apple's whole point is to simplify. Credit card rewards systems are convoluted. But you can get modest rewards with minimal effort. I don't think the Apple Card has any value here. If the goal is to actually simplify, just get a 2% card with no annual fee and be completely done with the 1/2/3% cashback tiers. > Uber's rate is 17.24-25.99%. We'll have to see what Apple comes up with. The range they've disclosed is 13.24-24.24%. Which isn't really that low in comparison nor overall.