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This card is offering 2% cash back with no annual fee so long as you use Apple Pay. Seems pretty competitive.

• saltminer 7y ago
  It's really not at all competitive. A shocking number of places still use a crappy magstripe reader or have a nice new Vodafone terminal but disable NFC (and possibly chip as well). Apple Card only gives you 2% if you can use NFC, Citi gives you 2% even at hotels and airlines that require a card # online, and parks and old gas stations that still just have a magstripe reader. (I've never been to a hotel that took chip or NFC for last-minute bookings, it's always a crappy old magstripe reader built into the keyboard.)
  • ceejayoz 7y ago
    > A shocking number of places still use a crappy magstripe reader or have a nice new Vodafone terminal but disable NFC (and possibly chip as well). In other words, Apple's enlisting millions of people to push at a grassroots level for NFC adoption, and making money off them at the same time.
    • arcticbull 7y ago
      And how do you plan to get the entire Internet where you probably do most of your shopping to switch to Apple Pay? :) Amazon's in no hurry, and that's who gets a disproportionate amount of my spend.
      • ceejayoz 7y ago
        Amazon offers (and I have) a store card that gives 5% cash back. I'd be insane to use Apple Pay there. Anywhere that uses Stripe can accept Apple Pay, and the same approach from meatspace works in getting people to turn it on - get people to complain because they're missing out on their cash-back.
• arcticbull 7y ago
  The competitive options are 2%+ with no annual fee and no requirement to use Apple Pay (but you still retain that option). On this axis it’s strictly better.