5 ms·

getting 3% back on apple purchases plus 0% interest for 12-24 months is pretty nice. given theres no annual fee i don't really see the downside if you buy appl

by tempsy 4y ago

getting 3% back on apple purchases plus 0% interest for 12-24 months is pretty nice. given theres no annual fee i don't really see the downside if you buy apple products.

meinheld111 4y ago
https://news.ycombinator.com/item?id=35344441 https://news.ycombinator.com/item?id=35344441
- pwinnski 4y ago
  That didn't seem to have anything do with it being an Apple card, though?
driscoll42 4y ago
It's not bad for using to buy Apple Products, but if you're only using one credit card, might as well get something that gives 2% on all purchases unless you reallllly buy a lot of Apple products.
- tempsy 4y ago
  at this point getting a 0% loan for 2 years is more interesting than the difference between 1-2% cash back. i used to be really into optimizing cash back but it just ends up costing more mindshare than it is really worth.
  - bombcar 4y ago
    That’s exactly the goal of the companies, and Apple’s offering is “good enough” there.
    - tempsy 4y ago
      not sure what your point is. cash back cards aren't really interesting to me. you're better off not overspending on things that don't add to your quality of life than worrying about whether you're getting 1-3% cash back. i do have a premium travel card that gives me points for dining and travel but these come with high annual fees so you're paying for it in a different way.
      - bombcar 4y ago
        The point is that most people don't bother to juggle cards to get the best cash back each time; they just pick one and stick with it (which is why companies PAY Costco big bucks to be their card provider).
  - rwalle 4y ago
    "getting a 0% loan" Smart people don't do loans for a $300 purchase in the first place.
    - yunwal 4y ago
      If it’s at 0% why not (genuine question). That’s just free money, right? Obviously the interest on $300 isn’t much but if you take 0% loans on everything where it’s available it will add up eventually.
    - jedberg 4y ago
      Why wouldn’t I take free money? Heck even if it were 1% I’d still do it because I can earn more than 1% with a CD right now.

by tempsy 4y ago

getting 3% back on apple purchases plus 0% interest for 12-24 months is pretty nice. given theres no annual fee i don't really see the downside if you buy apple products.

meinheld111 4y ago

https://news.ycombinator.com/item?id=35344441 https://news.ycombinator.com/item?id=35344441

pwinnski 4y ago
That didn't seem to have anything do with it being an Apple card, though?

driscoll42 4y ago

It's not bad for using to buy Apple Products, but if you're only using one credit card, might as well get something that gives 2% on all purchases unless you reallllly buy a lot of Apple products.

tempsy 4y ago
at this point getting a 0% loan for 2 years is more interesting than the difference between 1-2% cash back. i used to be really into optimizing cash back but it just ends up costing more mindshare than it is really worth.
- bombcar 4y ago
  That’s exactly the goal of the companies, and Apple’s offering is “good enough” there.
  - tempsy 4y ago
    not sure what your point is. cash back cards aren't really interesting to me. you're better off not overspending on things that don't add to your quality of life than worrying about whether you're getting 1-3% cash back. i do have a premium travel card that gives me points for dining and travel but these come with high annual fees so you're paying for it in a different way.
    - bombcar 4y ago
      The point is that most people don't bother to juggle cards to get the best cash back each time; they just pick one and stick with it (which is why companies PAY Costco big bucks to be their card provider).
- rwalle 4y ago
  "getting a 0% loan" Smart people don't do loans for a $300 purchase in the first place.
  - yunwal 4y ago
    If it’s at 0% why not (genuine question). That’s just free money, right? Obviously the interest on $300 isn’t much but if you take 0% loans on everything where it’s available it will add up eventually.
  - jedberg 4y ago
    Why wouldn’t I take free money? Heck even if it were 1% I’d still do it because I can earn more than 1% with a CD right now.