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I get not wanting to have to "activate" each quarter's deals (though really, it's literally a single button push once every three months...), but I don't get yo

I get not wanting to have to "activate" each quarter's deals (though really, it's literally a single button push once every three months...), but I don't get your point on any of the other stuff. Both AmEx and Chase have multiple cards that earn points that have no annual fees. Both of their point programs can be redeemed for straight cash back (just like the Apple Card, except Chase's offers better cash back percentage). And both can easily be added to Apple/Google Pay and be used just like you will use an Apple Card. It's not so much criticism of the card as much as it is criticism of people who are for some reason hyped up about it. Like most Apple stuff, there are always a weird group of people obsessing over it and will go to strange lengths to defend it. This is weird, because, as you said, it's just a credit card. It would be less weird if it was at least a good credit card that people were defending, but it's not even that.

js2 7y ago
When I came to the comments section there was no one hyping the card but already several folks critiquing it. My other comments were directed not at other comparable cards but at folks critiquing the card for not having the best benefits. I only know of two cards offhand that are straight 2% cash back on everything with no annual fee and no gimmicks, the Fidelity Visa Signature which requires a fidelity brokerage account and the Citi DoubleCash card. And both of those cash back at the billing cycle end, not daily. The other cards which offer points, you’ve got to go do something to turn the points into cash or redeem the points in some other way. I get that you don’t think this is much hassle. But for some folks it is. For them, there’s this card. Anyway, different strokes for different folks.
- fredophile 7y ago
  Does the daily cashback make a practical difference? It feels gimmicky to me. For anyone considering this card I'd suggest that they compare it to a 2% card like the DoubleCash and the Uber card. Depending on your spending habits one may be significantly better than the others.
  - deleted 7y ago
    [deleted]
- astura 7y ago
  > which requires a fidelity brokerage account Consider there's no fees or minimums associated with a Fidelity brokerage account and you're already entering a business relationship with Fidelity anyway. There's also the PayPal Mastercard, which requires a PayPal account.
- PKop 7y ago
  Has anyone ever told you that you use the work "folks" a lot? Is that a regional thing because I've never seen it used that much to be honest?
millstone 7y ago
What's exciting about Apple Card is not that it will put more money in my pocket, but how it modernizes payments. I signed up yesterday morning, and made my first purchase a few hours later. Unlike my current card, the app doesn't try to push "special offers" and I think it won't share my purchase history with "affiliates." I can see my purchase on a map, and Apple can't - nice. It's a pretty cool experience and I hope Apple Card sets a new baseline.
- snaky 7y ago
  Honest question - why anybody would want her purchases on the map?
  - mehrdadn 7y ago
    Maybe you forgot which store had a product you ultimately bought and liked?
  - brownbat 7y ago
    I'm not likely to grab this card, but every few months going back over my statement I see some small purchase I can't quite place. The text description for stores is often really vague, especially for gas stations. Confirming where a purchase was made can help with budgeting and detecting fraud.
  - iams 7y ago
    If see a transaction you don't recognise. By looking at it on a map it may remind you of that small shop you bought something from. Or it might be in a town you've never been to.
  - beamatronic 7y ago
    Reliving a vacation
  - ssully 7y ago
    I used to use Simple bank and they did this as well. One time I was at my desk and got a notification for a purchase at a Grocery store that sounded unfamiliar. Opening the notification took me into the detail page that showed it was located in Florida. I then put a block on my card and notified support of the fraudulent transaction all through the app within 2 minutes. I've since switched banks, but I still haven't found a bank that had as good of an experience as them. Hearing about the Apple cards digital experience is actually enticing, because both of the credit cards I use are slow as hell, or make using rewards difficult in some way (one card makes me 'activate' the reward tiers for the 3 month period, the other takes you out of the app to an external page to use any rewards).
et2o 7y ago
How can you get a better cash back percentage and no fees with Chase?
- tidepod12 7y ago
  The Chase Freedom Unlimited is 3% back on all purchases (up to $20k/yr), and if you're willing to play the categories game, the Chase Freedom is 5% back.
  - ghaff 7y ago
    Note that Chase Freedom cards have a foreign transaction fee though if that matters to you.
  - astura 7y ago
    >The Chase Freedom Unlimited is 3% back on all purchases ...For the first year only... and the 3% promo eliminated the signup bonus. Discover It Miles is also 3% cash back the first year.

js2 7y ago

When I came to the comments section there was no one hyping the card but already several folks critiquing it. My other comments were directed not at other comparable cards but at folks critiquing the card for not having the best benefits. I only know of two cards offhand that are straight 2% cash back on everything with no annual fee and no gimmicks, the Fidelity Visa Signature which requires a fidelity brokerage account and the Citi DoubleCash card. And both of those cash back at the billing cycle end, not daily. The other cards which offer points, you’ve got to go do something to turn the points into cash or redeem the points in some other way. I get that you don’t think this is much hassle. But for some folks it is. For them, there’s this card. Anyway, different strokes for different folks.

fredophile 7y ago
Does the daily cashback make a practical difference? It feels gimmicky to me. For anyone considering this card I'd suggest that they compare it to a 2% card like the DoubleCash and the Uber card. Depending on your spending habits one may be significantly better than the others.
- deleted 7y ago
  [deleted]
astura 7y ago
> which requires a fidelity brokerage account Consider there's no fees or minimums associated with a Fidelity brokerage account and you're already entering a business relationship with Fidelity anyway. There's also the PayPal Mastercard, which requires a PayPal account.
PKop 7y ago
Has anyone ever told you that you use the work "folks" a lot? Is that a regional thing because I've never seen it used that much to be honest?

millstone 7y ago

What's exciting about Apple Card is not that it will put more money in my pocket, but how it modernizes payments. I signed up yesterday morning, and made my first purchase a few hours later. Unlike my current card, the app doesn't try to push "special offers" and I think it won't share my purchase history with "affiliates." I can see my purchase on a map, and Apple can't - nice. It's a pretty cool experience and I hope Apple Card sets a new baseline.

snaky 7y ago
Honest question - why anybody would want her purchases on the map?
- mehrdadn 7y ago
  Maybe you forgot which store had a product you ultimately bought and liked?
- brownbat 7y ago
  I'm not likely to grab this card, but every few months going back over my statement I see some small purchase I can't quite place. The text description for stores is often really vague, especially for gas stations. Confirming where a purchase was made can help with budgeting and detecting fraud.
- iams 7y ago
  If see a transaction you don't recognise. By looking at it on a map it may remind you of that small shop you bought something from. Or it might be in a town you've never been to.
- beamatronic 7y ago
  Reliving a vacation
- ssully 7y ago
  I used to use Simple bank and they did this as well. One time I was at my desk and got a notification for a purchase at a Grocery store that sounded unfamiliar. Opening the notification took me into the detail page that showed it was located in Florida. I then put a block on my card and notified support of the fraudulent transaction all through the app within 2 minutes. I've since switched banks, but I still haven't found a bank that had as good of an experience as them. Hearing about the Apple cards digital experience is actually enticing, because both of the credit cards I use are slow as hell, or make using rewards difficult in some way (one card makes me 'activate' the reward tiers for the 3 month period, the other takes you out of the app to an external page to use any rewards).

et2o 7y ago

How can you get a better cash back percentage and no fees with Chase?

tidepod12 7y ago
The Chase Freedom Unlimited is 3% back on all purchases (up to $20k/yr), and if you're willing to play the categories game, the Chase Freedom is 5% back.
- ghaff 7y ago
  Note that Chase Freedom cards have a foreign transaction fee though if that matters to you.
- astura 7y ago
  >The Chase Freedom Unlimited is 3% back on all purchases ...For the first year only... and the 3% promo eliminated the signup bonus. Discover It Miles is also 3% cash back the first year.