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Brave throwaway, you underestimate the knowledge you possess! You should be proud of your knowledge and gladly share it, rather than mock those unwilling to exp

Brave throwaway, you underestimate the knowledge you possess! You should be proud of your knowledge and gladly share it, rather than mock those unwilling to expend the effort you've expended to earn such knowledge. Search results are plagued with spam to the point of uselessness, and this is precisely the sort of information I would not trust from an LLM because their sources are, as I said, plagued with spam and I don't want to chase hallucinated results. In fact, for all that it's a trivial question, this is at least the fourth time I've asked it, and the first time I've gotten real answers--although not from you. Perhaps the issue is that you don't seen to realize I've never gotten less than 2% from my Apple Card, and I get 3% back from Apple purchases? (Since I just bought an iPad Air + accessories for my daughter's birthday, that alone saved me more than $50!) The Fidelity card you mention seems to require a Fidelity account, but that's okay, since I have one. However, the terms then seem identical to my experience with the Apple card. I got my Apple card before Chase updated my cards from them to be tappable, and basically I use the Apple card for Apple Pay (2%) and purchases/subscriptions from Apple (3%), a Chase Amazon card for purchases from Amazon (5%), and a Chase Sapphire physical card (2% or 5%, depending on category) when a physical card is required (rarely these days, but at Walmart for one). It's not clear to me how Fidelity is any better than Apple card in this scenario.

throwaway09223 4y ago
Again, none of what you're saying makes sense. Spam doesn't prevent you from looking into the details of an offer. Hallucinated results don't stop you from looking up the details of a card offer. It also seems like you've now changed your story and are explaining all the cards you have which outperform apple's. You seem really defensive and agitated over this triviality. No one is mocking you for your mistakes. It's just that what you've said doesn't make sense, and is inconsistent. Please, just take it as honest feedback.
- pwinnski 4y ago
  Hahaha, what an odd response! I mean, explaining how your tone was condescending while mine clearly expressed wry amusement would just be me being defensive now, right? So I won't. My point stands: From the time this card was first announced, people online, especially on this very site, have been dismissing it as having "sub-par" terms, and yet when pushed, all of the alternatives offered up seem to be similar, or even worse. Of the three credit card bills I (auto-)pay off every month, Apple card has by far the biggest bill, because I use Apple Pay a lot. When I travel to Hong Kong, I love the lack of foreign transaction fees, and still the easy convenience of tap-to-pay with my wristwatch everywhere. I do have a Chase Sapphire Preferred card that also has no transaction fees--but it costs me $95/year, so I'd judge that to be sup-par compared to Apple's free card, except that I use it to book travel, so the cash back goes farther. I'll look into the CapitalOne SavorOne that somebody else mentioned, but generally I don't look forward to spending hours of my life comparing nearly-identical credit cards, so I was glad to get some real answers this time!

throwaway09223 4y ago

Again, none of what you're saying makes sense. Spam doesn't prevent you from looking into the details of an offer. Hallucinated results don't stop you from looking up the details of a card offer. It also seems like you've now changed your story and are explaining all the cards you have which outperform apple's. You seem really defensive and agitated over this triviality. No one is mocking you for your mistakes. It's just that what you've said doesn't make sense, and is inconsistent. Please, just take it as honest feedback.

pwinnski 4y ago
Hahaha, what an odd response! I mean, explaining how your tone was condescending while mine clearly expressed wry amusement would just be me being defensive now, right? So I won't. My point stands: From the time this card was first announced, people online, especially on this very site, have been dismissing it as having "sub-par" terms, and yet when pushed, all of the alternatives offered up seem to be similar, or even worse. Of the three credit card bills I (auto-)pay off every month, Apple card has by far the biggest bill, because I use Apple Pay a lot. When I travel to Hong Kong, I love the lack of foreign transaction fees, and still the easy convenience of tap-to-pay with my wristwatch everywhere. I do have a Chase Sapphire Preferred card that also has no transaction fees--but it costs me $95/year, so I'd judge that to be sup-par compared to Apple's free card, except that I use it to book travel, so the cash back goes farther. I'll look into the CapitalOne SavorOne that somebody else mentioned, but generally I don't look forward to spending hours of my life comparing nearly-identical credit cards, so I was glad to get some real answers this time!