There are many differentiators, but I think the most important one is that there are no fees on the Apple Card, of any kind. Including annual fees, and even inc

There are many differentiators, but I think the most important one is that there are no fees on the Apple Card, of any kind. Including annual fees, and even including late fees. The app also actively tries to help you not pay interest, as opposed to the usual approach, which is to confuse the consumer so much that they end up paying as much interest as possible. The customer service is also over the top.