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I use an Apple Card and it’s good but nothing amazing. The incentives and benefits are pretty basic. The interest rate isn’t competitive, not even a 0% teaser
by yardie 3y ago
I use an Apple Card and it’s good but nothing amazing. The incentives and benefits are pretty basic. The interest rate isn’t competitive, not even a 0% teaser rate. But I use it because it’s super fucking convenient. 1 account for my entire family. It helps catch billing mistakes for example we were paying for 2 Prime subscriptions for years; a monthly and annual.
My impression is Apple is trying to be the universal app. Chat, App Store, media, and bank. And GS is there stepping stone.
- pazimzadeh 3y agoyeah the best part is the instant push notifications when a transaction goes through
- tgcordell 3y agoI don't think this is unique to Apple as my Chase cards do this. I'm assuming most CCs do.
- WirelessGigabit 3y agoSadly no. My AMEX does it. But my BofA does not.
- DJPocari 3y agoMy BofA does so I think you just haven't set it up. The settings pages for BofA are awful so I don't blame you. Took forever to figure out how to setup auto payment for my credit card.
- a1o 3y agoThis isn't default for all US banks and cards?
- pazimzadeh 3y agoI use a community credit union, most of their rates and products are better. Up to a certain amount of money
- Shawnj2 3y agoMy Citi Double Cash does this
- tgcordell 3y agoGetting your data out of their platform to do analysis on it use to be such a PIA. Have they resolved this yet?
- havefunbesafe 3y agoNope, still a nightmare
- sergiomattei 3y agoWorkaround: an app like Mint that can export the transactions as CSV.
- grvdrm 3y agoIndeed - Mint has mechanism for it. Don’t think any others do but I believe CoPilot is working on it.
- Larrikin 3y agoHow do you get a CSV of your Apple card transactions? I personally hate my Apple card because of its locked down nature. I own a Mac but can only view transactions on my iPad for some reason? That is worthless and there's no valid reason I can't just login into a website on any device like with every other credit card or banking company. I find it such an annoyance having to enter in the transactions manually. It only makes sense to use the card to get the initial discount and interest free payment plan for expensive Apple products. The cash back rate is uncompetitive compared to other cards, and they actually work with budgeting software like YNAB.
- mshockwave 3y agothat's my impression too. The reward is mediocre to say the least, but it's super convenient by optimizing the most common path: payment in a single click on the dashboard and real-time activity feed. And the killer feature: autofill on web pages with Safari.
- Shawnj2 3y agoYou can do all of those things with regular credit cards added to Apple Pay too