>I don't mean to diminish your negative experience, but it's not universal. I mean, there were enough complaints about the dispute process (both the outcomes a

>I don't mean to diminish your negative experience, but it's not universal. I mean, there were enough complaints about the dispute process (both the outcomes and the slow timelines) that Apple forced a policy change around it: https://9to5mac.com/2022/02/11/apple-card-disputes-transactions-goldman-sachs/ https://9to5mac.com/2022/02/11/apple-card-disputes-transacti... This isn't just sour grapes that I had a bad experience, it's a genuine reputation they developed. Compared to other companies that have much easier dispute resolution processes. >Which Chase card did you move to? Chase Sapphire Preferred, which has a sign on bonus (after minimum spend) worth $750. These companies with established rewards programs let you leverage points in ways that vastly outstrip their raw "cash" value. You can end up booking much more in travel etc... than if you were to just convert it to cash back. It's not as simple and straightforward as the Apple Card, but it's also not rocket science. I generally just pay for all my expenses with the card and accrue reward points.