For sure, the BNLP is no where near as good at the credit card deal. In the apple specific case with the apple card, you'd be leaving the 3% cash back on the ta

For sure, the BNLP is no where near as good at the credit card deal. In the apple specific case with the apple card, you'd be leaving the 3% cash back on the table where as the links shows, you won't get that with the BNLP. Which for a $2,000 MBP with 3$ cash back, you'd get $60 on the cash back making the device effectively $60 bucks cheaper. And a little more cheaper if you put the cash in the HYSA. My guess to answer the question at the bottom of your comment you linked. Its a mix. For some, its a lack of financial literacy. For others, its not being bothered with other options and taking the first option thrown in their face (even unaware that better option exists). Which in Apple's case, seems like a perfect way to push their credit card, and can use that to push it harder. Why even bother with BNLP when there is a better option. I also imagine Apple benefits more from the credit card than they do their partnerships with Affirm. But that would just purely be a guess.