Is The Apple Card REALLY Worth It? (The Truth)
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- Опубліковано 10 січ 2022
- This is my Apple Card Review for 2022 where I go through everything that you need to know about the Apple credit card to answer the question, “Is the Apple Card worth it?” In this video, we go over all of the Apple Card benefits along with the positives and negatives for all features of this popular credit card. Overall, while the Apple Card does not offer too much, its simplicity will be very valuable to a lot of people looking to use an easy credit card.
Even though there is no welcome bonus on the Apple card as of the filming of this video in 2022, the 2% daily cash back on all purchases with Apple is a nice feature. The other earnings rates of 3% cash back at select places including Apple is ok, but I don’t like the you only get 1% if you use the really nice metal titanium physical credit card.
After I go over all Apple Card features and benefits, I then talk about the types of people that should and should not get the Apple Card.
*These offers are subject to change. The current offers are listed as of the filming of this video.
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DISCLAIMER: Daniel Braun is not a financial advisor and the opinions in this video are his own. This video is for entertainment and educational purposes only, it is not financial advice. You must do your own research and should talk to professionals before making any financial decisions for yourself. This description contains affiliate links where Daniel Braun may receive a commission.
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Loved the Apple Card for repairing my credit! It was the only card I could get approved for. Paid it off every month for a year and am now building my Chase Trifecta.
Love to hear it Cooper! Yeah the Apple Card can definitely be good for that since its fairly easy to get approved for. Glad to hear that you are building that Chase Trifecta now! 👍
What about someone with no credit? I wanted a credit card through my credit Union but it was denied due to my low income and me not having my job for 2years or more. I really need a credit card to start building my credit though. My bank did a credit report and like I said, they told me I have no credit at all. Which makes sense I pay everything in cash.
@@greeneyesfromohio4103 you should be able to apply
It’s easy card to use and don’t have to really think about points or anything like that. I only got it because I buy apple stuff.
That’s what I thought this would be good for nothing crazy just to repair credit
I think it’s an awesome beginner card but also for people trying to rebuild their credit and maybe have a secured card only. The interface is so helpful for people who’ve struggled with their finances before like myself. Really clear and easy spend tracking and tells you straight up how to avoid fees/interest.
I agree Ashley, its a really great card for those reasons! A good option as maybe a first unsecured card for those that need it for those reasons because the interface and information makes it easy to understand. Thanks so much for watching and commenting! 👍
What about someone with no credit? I wanted a credit card through my credit Union but it was denied due to my low income and me not having my job for 2years or more. I really need a credit card to start building my credit though. My bank did a credit report and like I said, they told me I have no credit at all. Which makes sense I pay everything in cash.
Dude I had to have a 713 credit score before I got it
@@greeneyesfromohio4103 in your situation I would actually go for a secured credit card first, something where you just pay a deposit and then make small charges every month that you pay off in full for a year just to build your credit. In terms of real credit cards, you might be able to get an Apple Card or Discover It but you might not.
@@jaredgandy7193 I had something like 670-680 when I got it in December.
The only video you need to watch for Apple Cards. Thank you so much! You nailed every point.
As usual great video Daniel! I have the Apple CC and I like it. I use it mainly for gas since I get that 3% cashback through Mobil gas stations. My main cc and workhorse card is the Amex Gold Card. Not a Chase Trifecta but definitely works for me! Have a great week!
Thanks as always Alex! Yeah 3% back with them as one of those select 3% places is always nice to have! Nice to see you enjoy the Amex Gold like me too. Have a great one as well!
Thanks for the video, I was about to apply and finance an iPhone, but didn't know my utilization was going to be high, thanks for the info!
I just got it today as a step up from the Chase Freedom Student. I’m sure it will be obsolete as I get new cards down the road, but like most here, I like that they were friendly with the credit line and keeps my utilization lower
Good video Danny. I'm not a card carrier of the Apple Card, but I enjoy your videos as usual. Super impressed.
Thanks so much Scott! Appreciate your support as always here 👍
Love the breakdown and comparison. Keep up the good work!
That's a really smart way to look at it, with the amount you'll need to spend in order to get the same comparison of the welcome bonus. My sister got this and noticed it was an easier one for us to get (Canadian citizens living in America). Not sure why, but maybe they don't take our credit from Canada and we're starting from scratch so we don't have much credit for companies to look at. (I got denied by a lot of companies 😅)
Thanks for the comment Tyler! Interesting, yeah I don't know why it might be easier for Canadians living in the US to get it but thats good to hear!
I'm 34 and finally starting to look at credit cards seriously. I saw this card option when looking at watches on Apple's site, and now I'm here going through ALL your videos after a quick google search.
I've asked friends and family to explain how credit works... and that helped... but having your videos to bounce to and from has also been a huge help!!
I'm still undecided on my next steps, but maybe by the end of the day I'll have applied for my first ever cc.
Thank you for your channel, it's a lifesaver!
Thorough and fair assessment! :) i’ve had this card for a year and I must say I really like it for what I use it for. I mainly got it because I am in that Apple ecosystem, so for me it makes sense to have my iTunes purchases, iCloud monthly fee, Apple music charge, and an occasional Apple device with the 0% financing on it. I financed my iPad Pro on it last year. Also since I have “behaved” on this card lol… they bumped my $1500 limit to $3000 in only a few mos, and then 6 mos later I asked for more (because of that one annoying thing when financing a new product how it takes away from the available credit and makes your ratio look bad), and they bumped me up to a $4750 limit. I think it’s pretty weird they didn’t just give me an even 5000 lol but hey not bad for one year, right?
Thank you for sharing your insight in the card! How exactly did you go about asking for a credit limit increase?
Awesome to hear about those credit limit increases! That's great and definitely makes the utilization look better anytime you are financing an Apple product like you said. Its definitely not a bad card to have to the right reasons!
@@Daniel_Braun Thank you dude :)
@Tom Dantzig thats like saying "you cant call an object stupid because it doesnt actually possess intelligence". yes, its the incorrect way to use it, but people still do because its the norm now. language isnt static.
What was your credit score when you received a 1500 cl? Glad to hear youre doing well with it!
Great Video Daniel! Congrats on almost 5k! Crazy way to start off the new year! Personally, I don't have a lot of appeal for this card myself but there's no denying that I've seen some high credit limits!
Thanks so much Jacob, I really appreciate it man! Yeah I'm with you, its not a card for me personally but a lot of people seem to have it just for that credit limit with very little actual use
I pretty much got the Apple Card for the credit limit to increase my total credit worth. It's not a card I use much, and when I do its just to "tap and go" on the subway. I forget I have it sometimes lol ... Thanks Daniel 🙌🏽🖤
Thanks for watching and commenting Mike, always good to hear your thoughts! Yeah its a good card to have just for the extra credit limit and sounds like you use its pretty minimally just like many others
Yea I pretty much use it for the same thing. 2% Apple Pay.
Basically what I'm doing. They gave me 6k credit limit and then immediately the next day gave me 8500 for some reason. Not really going to use it besides just small things here and there.
Will u need to pay monthly for having the apple card if you only use it for stuff like grocerys?? Sorry I'm a credit card noob here
@@AbdullahKhan-gs6cl I mean you need to pay your balance yes but if you mean if there are any fees, no. No fees
The Apple Card was the first card that gave me what I considered to be a high CLI at the time. I use it strictly for Apple purchases and subscriptions now and then apply the cash back towards my Apple One subscription.
Very good review. Lots important informations you have provided addition to apple card review.
Daniel I think if you have the cash for the Mac Book you should definitely put it on the Apple card, get the cashback and once the purchase is done pending pay it off in full or break up into 2 or 3 equal payments if your factoring opportunity cost of your liquidity :) Appreciate your content as always Bruh :)
Thanks so much for the comment David, appreciate the support! Yeah nothing wrong with breaking up the payment like that. Its some short term liquidity if needed!
I like that it’s metal and paying with apple
Pay is so convenient. Also love the ui. Really doesn’t have many negatives at all. Good card to just throw in your arsenal
This video is high tier informative content
I love this card it’s my favorite card. Apple Pay is in most of the places a shop at. The daily cash I like a lot it’s just nice to see it growing day to day I also like that you can see how much cash back you get on every purchase.
Great video; I was looking for more guidance on pros and cons, you nailed it. Now on finding out if the Venmo card is right for me :) Happy to have found you, Daniel, you are very financially savvy.
I’ve surprisingly loved using my Apple Card. I know there’s better cards out there, but the convenience and daily cash back is nice. My favorite card right now though is actually the new Venmo card. It offers 3% on your most used category, so for each statement cycle I just choose what I’m going to use the card for, whether it’s groceries, gas, etc…nice video Daniel!
Yeah there is something to be said about the value of the convenience for things like that on the Apple Card. Not a bad option with that Venmo card either as a nice simple cash back setup! Thanks so much for watching and commenting! 👍
It’s alright if it’s your only card, but if you’re going to operate in one ecosystem like chase, it’s more worth it to just get the chase trifecta and not split your spending across different ecosystems so you can pool your points/cash back more efficiently
Please tell me more about this chase trifecta I have unlimited. But why get the other two?
@@sherealagreen88 freedom flex: 5x back on rotating categories (some popular ones like gas/Amazon)
Sapphire preferred/ sapphire reserve: Higher redemption value for your points (25% and 50% boost respectively). Ability to use all your points across your chase cards for travel through the Portal or transfer them out for even higher value (2x or 3x+ in some cases).
Although it really does only make sense if you travel otherwise the annual fees of the sapphires won’t make sense after a couple years since the sign up bonus is only so big.
Thanks for all the info! Super helpful :)
I’ve had it for a year and made $500 cash back already. It’s my daily card. I live in a major city most places use Apple Pay even nice restaurants. Also the app is fun and easy to use. It’s straight forward. My only gripe is they suck at credit reporting.
this is an awesome analysis, how come i just see it~ thank you!
Thank you so much for watching Joyce!
I mostly got this card to increase my total credit worth. However ever since I got it when I purchase items online it’s so easy to use the “use Apple Pay” option it automatically populates. I use Apple Pay and when I had Samsung, Samsung pay, as it is safer than inserting your card physically. It also has a cool security feature that changes the Security code automatically. Not to mention it literally took me 1 minute to apply, get approved and start using the card. I shared the card with my gf and we both use it that way. Smart move on apple, now I want to stay in their ecosystem. Win-Win for me.
Should’ve been 2% with the card as well but honestly since so many places take Apple Pay it doesn’t even phase me
Lowkey I'd get this card just to have it, just a great looking premium card.
Good analysis, Daniel.
We're gonna buy a new Macbook soon and have been thinking about opening up an account to get the interest free financing. Other than that, we'd probably keep one recurring charge on the card to keep it active, but mainly just increase our total credit limit.
Thanks so much Adam! Yeah those things seem to be the main reasons why people decide to get the Apple Card for the the interest free financing and for the credit limit to add. I appreciate the comment man!
How much is apple card
Greetings Daniel, I liked your video and you gave some really good advice! I’ve had a discover student card for over a year now with no problems whatsoever, just got approved for the Apple Card and wanted to ask about credit utilization. If I end up paying my balance in full prior to the deadline will it show up as zero?
Excellent information.. Thank you!!!
Happy to help! Thanks for watching!
The most underrated perk is the no foreign transaction fee. It’s very hard to find a cash back card with no foreign fees. Most of these cards are only for travel points.
And I loved using it in Europe because the price I just paid in US dollars would pop up on the screen helping me understand the exchange rate in real time.
There’s a sweet time in the year to open this, SEPT-NOV of each year. Most new Apple Products come out, and Nike gives out a $75 credit.
I actually wanted to mention that $75 Nike credit but I had to cut that part out of the video! Its not really a true welcome bonus because its specific and only available during certain times of the year usually like you said, but if you need something new from Nike then its a great added little bonus! Thanks for the comment Jeff!
@@Daniel_Braun Cool
If you want to build credit just get the card and pay on time, simple as that and as long as you have fair credit you should get $1000 limit which is nice.
To me yes, I feel like when I pay my bills plus other things, that cash back is amazing plus with my credit increase it helps paying all my bills plus paying it back to 0. With my plan I now save 2000 a month
Thanks bro I just applied for it, Thanks to your video. I wasn’t sure if I wanted to or not kept seeing the ads. I have 3 other cards but I’m not a person to just use my credit cards like that but it will be nice to have just in case. Great video !!!
Thanks so much for watching, I'm glad the video was helpful for you in making a decision for applying!
Excellent analysis Daniel. I appreciated the points on 0% financing of Apple products. Credit limits on the Apple Card are generally lower so your % of utilization will be higher if using the card to finance Apple Products. Thanks once again for sharing these great financial gems!
Thanks so much for watching and commenting here as always Jeffrey! Yeah definitely important for people to be aware of the 0% financing details on this card and how that affects utilization!
Great info:)
Thanks so much Dylan! 👍
I really like my Apple Card bc most places I go accept Apple Pay, so I get the 2%, and I shop with Apple for accessories every once ina. while, so the 3% works out nicely. For places that don't accept Apple Pay, I use my other cards
Yeah thats a good way to use the Apple Card! Its not a bad option at all for the ways that you use it! Thanks so much for watching and sharing your thoughts @Azan 👍
I have it as a back up card from when Amex is not accepted. Needless to say, I rarely reach for it.
I have one for the credit limit and my iPhone. I normally use a chase card when using an actual card.
Nice, yeah a lot of people seem to have the Apple Card just for that extra credit limit. Not a bad option just to have with an iPhone but then yeah I agree that using something from Chase for an actual card is the better option. Thanks so much for watching and for commenting @Supreme !
Great review! Thorough and fair!
Thanks so much, I appreciate that!
I'm 38 years old with 13 credit cards. I got this Apple card the first week it came out and love it! The customer service is fantastic and all I have to do it text them. Also, no fees on anything is really nice. This is my daily CC that I use IF the place I'm at has apple pay that I can use my iPhone or watch. I personally don't even carry the metal card with me since I'll use another CC for the 1.5% cash back instead of the 1% that the physical card gives you. Just my 2 cents..
You can use the physical Apple credit card at any place though right? Like Walmart or gas stations?
@@greeneyesfromohio4103 yes
I have a above average credit score so I'm not that audience that they target but I like Apple a lot, I'm a fanboy so I do this have it. I like it its so simple. I just use my watch or iPhone at the terminal and pay if off when the statement posts and I get my cash back and invest it right back into the stock
I recommend Wells Fargo active cash. With 2% cash back and a welcome bonus of $ 200. And no annual fee
I've had mine since 2020, its technically a boring card with nothing major to offer but I love the UI which is the only reason why i keep it. Plus it's the only mastercard I have and I have all the major cards except discover.
Apple Card is for fair credit no anual fee 2 % cash back it’s great for me since I can’t get a chase or citi card
This is why I bought apple watch. Easy as hell to pay everywhere and get 2%
Its a great thing to use along with the Apple Card for easy payments!
Would 3% back work with T-Mobile monthly service payment ?
Excellent. Thanks for this Daniel!
11:24 that was smooth bro
Lol always gotta work in a way to ask people to subscribe!
I fly Southwest a lot and transferring 1:1 points from the Freedom Unlimited (only possible if you have one of the Reserve cards, of course) is worth it because I can usually get at least 1.3 cents per point when redeeming for Southwest flights. If I get flights where it’s closer to 1.5 cents per point for the redemption, that comes out to about 2.25% back on your spend. And I don’t have to worry about whether or not a vendor will/won’t take Apple Pay. PS I have both cards LOL
Thanks so much for sharing your experience with the Apple Card and Chase Freedom Unlimited Joel! I completely agree with you, if you are using the CFU to transfer points and get better redemptions like that, then its a better option than the Apple Card with no questions asked! That higher potential rate of redemption is well worth it. I've gotten around 4 cents per point by transferring Chase to Hyatt before which would make it like my CFU is earning 6% back on everything and that's a great deal!
I'm going on a cruise on March 26-April 3 and for the no foreign transaction fees, I got the card. I got approved for $2000 on my second try 6 months later after being denied the first time around. After 3 months, they increased it to $2250.
Was it a hard pull when you tried the first time?
how much was your credit score the first time you applied ?
@@itzdwalk2u not it’s a soft pull
@@therealxtcash2163 they use trans union mines was around 600 when I got denied a few months later I’m around 670 and they just approved me today
@@bandokazoowee1024 ah mine is 710 but they only gave me a thousand limit which makes no sense
Do I have this right? So physically using the card is bad since it onlys gives you 1% back. So you want to make the card ur default in the wallet app then just use apple pay through ur phone when making purchases so you get the 2% cash back while also building credit score?
Apple Card was my first card in college. I din't know anything about cards at all and just wanted the 'cool apple card' Fortunately I had the sense to pay off and in full every month and was able to build my credit with it. But really, knowing what I do now. I would have gone with a Chase card to start building credit and earning points in their ecosystem or an Amex Everyday for the same reasons.
I think enough attention isn’t paid to the security features of the Apple Card like the ability to generate a new CVV code monthly
Very cool feature! The Apple Card is definitely one of the best when it comes to security features and a lot of people really value that!
I was about to say the same thing, glad I saw your post first lol. Very over looked and great feature that I don’t think anyone else has.
I want to finance an apple product and im also new to credit cards, should I apply for it ? I could afford buying it cash but financing would help me stay on my current budget
I have plenty of cards but also use the apple card any time i can get 3% back - that daily cash I send to strike for no fee and buy bitcoin for no fee so it becomes like a 3% btc back card. Daily cash is important in the btc world lol. Also, for apple products of course.
If you even just use it to purchase your Apple products for 3% cash back that’s pretty good. If you also don’t have a card with more than 2% back it’s pretty good
i slightly want one, but income is my limiting factor
also applies to any credit card in general
Yeah income is always one of those important factors for getting approved for many credit cards!
Same I don’t want to overspend and end up in debt. Let me know what your solution or great card you find please.
It's for sure a keeper card just because it has no annual fee. 🤷🏽♂ I do use it to buy my laptop and phone with 0% APR (which is nice) but the card serves no purpose after that.
Yeah definitely a keep with no annual fee! And that's one of the best things about it that people seem to use the most. That and the credit limits that they can add to their overall combined limits
So elaborate thank you!! So wait, i want to finance an iPad with a newly approved apple card. Does that mean the FULL iPad price will be deducted from my credit limit in full immediately or only the finance amount eg. $169, will be deducted from my credit limit monthly. So i don’t exced credit usage?????
So what if I already have a discover card, but I still want to use this one to take advantage for future apple purchases and also have a second card to slowly increase my credit score even more?
If you’ve already had discover for 6months than you could apply for the Apple Card because you want to avoid having a thin file it’s also a good way of repairing your score
I was thinking of getting the apple credit card to finance the new iPhone 14. I would already have a checking account dedicated for the iPhone 14 to pay automatically for payments.
I was thinking the same thing i was thinking of getting a couple phones thru it for my mom and i lol
Wells Fargo active cash is the best everyday flat rate spend. 2% back plus 200 dollar bonus.
Opinions on the Apple Card vs amex everyday card for which would have a higher limit? I’ve heard both are generous but my goal is to get the CSP and have heard it helps to already have a card with at least a 5k limit
Apple gave me a 6,500 limit ..Amex gave me a $2000 both have a soft pull you can dined the offer if you don’t like the amount offered to you
So if you spent the 5k you have to pay it back the next month
6:00 i think about the apple card exactly like this bc i invest everything i save
I want to get it and I think it’s Def worth it for buying apple products! I rather get a super nice laptop but pay about $180 a month for it except about $2000 up front!
First time applying for a CC, Do I have to use it every month? What if I stop using it? Does it go to bad credit? Thank you
You can use a credit card as often or as little as you want! The most important thing is to only use it if you know that you already have the money set aside to pay off your balances on time and in full each month. I've got other video here like this one that should be helpful: ua-cam.com/video/2WLZY7aJ7Ak/v-deo.html
I want the Apple Card because I spend on in app purchases regularly and 3% would be nice. But 5/24 😭
Haha yeah its always tough to manage other credit card application while keeping that 5/24 rule in mind! Would definitely be a good card for in app purchases
Apple approved me with fair credit chase wont so it depends if your are on the good/excellent credit then go for chase or other top tier cards
Comprehensive and intelligent
The fact that it’s better to not have it as a physical card means I just use it as a backup emergency card aka - if my wallet gets stolen or my main card becomes exposed
Just use the card for food and or gas and then pay it off as soon as possible before the due date and keep your statements at zero and it’ll raise your credit score. That’s really the only reason to use this card.
wait so i’m confused, i have a debit card and i wanna buy an iphone in payments but it’s telling me i have to use the apple card. do i have to have the $1300 (how much total the iphone costs) in the apple card? or can i put in the $50 a month every month (payment amount each month)
The negative is sending in all sorts of id and then being told they can’t verify your identity.
Can I use Apple credit card everywhere like Capital one , Bank of america , wellsfargo credit card ?
I have it a like it, it’s ok, a little confusing when trying to pay less then full balance or to do a balance and monthly. Idk.
Hey so I just turned 18 a month ago apart of applying Is reporting your annual income I work a part time job so how should I go about this?
You should figure out what your monthly income is then multiply that by x12 and that’s your annual income. You also have keep in mind taxes and all that stuff that might affect your income
WOW. You know your stuff in DETAIL. I just subbed! Definitely need to look into credit utilization 👀 ive been using a Wells Fargo Reflect card as a debit card and usually pay it off after every few purchases and days before the pay date w a calendar reminder. In the 6 months I’ve had it ive paid ~$6 in interest just from that 2nd month i started using it (the first month i didn’t have much money in my debit account so woulda been risky) one purchase flew under my nose eight around that pay date👃. That’s when i added a deadline to my calendar. Anywho, i am buying the latest iPad Pro 11in 256gb as the refurbished of the previous one is only about ~$50 diff. But id be using it for creative work, and for my mom to take peloton classes (the $12/mo app version, not the $40/mo one 🙃) on our cheap home bike 😂 so for me it is worth the newer features and specs. I appreciate your help, i could pay it in full, but i have an iphone so should be even easier to just do the same thing ive been doing for the Reflect. Financing will make me feel better about getting the latest model 😂 And now I feel confident doing so thanks to u 🙏🏽 God bless!!❤
I am thinking of getting just for buying a new computer from apple not sure for anything else.
It’s free and there’s no fee. Why wouldn’t you get it? Even if you don’t use it, just get it
Its really hard to get approved though I have good credit and I keep getting denied
As always, a fair analysis, Daniel. This card has never had appeal to me, other than it’s cool factor. But I have the Double Cash, which earns 2% back without Apple’s restrictions. So, for my situation, the Apple Card missed the mark. Take care.
Thanks so much Anthony! Yeah I'm with you, I'll take the Double Cash over the Apple Card for the better ways that it earns that 2% with no restrictions. The Apple Card is due for some sort of a refresh in my opinion so I hope that Apple maybe changes something up eventually
@@Daniel_Braun I hope so too. It could be a pretty cool card with some tweaks.
I mean I get what you’re saying from the “if you have the cash to buy it then pay cash” logic but that would be kind of foolish. The point of credit is to build trust and free up liquid funds. If you’re just gonna pay cash for everything then what credit card is really worth it? You wanna build that trust so you can get big credit limits. So yeah even if it does split up payments, like you just said “you’ll have to pay it back later”. I mean, so would you with any other credit card lol. Credit is a game you must learn about
They were unable to verify my identity. Support was no help, it’s a known issue on their end.
Samsung user and android fan boy here, but according to CK I would easily be approved for this card, just doesn't make sense to have for me!
Credit karma periodically has a $75 welcome bonus for the apple card.
do one for amazon prime card!!
Question for everyone... Say for example you have a credit limit of $1000 and you opted for an installment amount of $600 to be paid in 12 months. ($50 per month)
- Is it 50/1000 utilization per month? Like amount to be paid over the total credit limit?
- Or 600/1000 first month, 550/1000 second month, 500/1000 3rd month and so on and so fort utilization rate? Like it's basing on the total financed amount divided by credit limit which means your utilization will be so high for a couple of months?
Just need to understand so I can wisely build my credit score. Thank you!
The second one
Keep in mind the utilization is combined with all your other credit cards. For example, if you have $5000 total in multiple cards; keep your total utilization under 30%. Example; $5000 - 30% = $1500.
If you keep your utilization under 30% by the report date your credit score will not be affected. Just make sure you payoff the other credit card that charge interest rate and keep monthly installments on Apple Card; due to its interest free if you buy Apple products under installments. Make sure it’s under installments not purchase in full.
*factors in the $200 sign on bonus*
*doesn’t factor yearly fees or late fees into the equation*
There are no fees at all on the Freedom Unlimited or Apple Card if you use the card the right way and pay off the statement balance on time an in full every month! Late fees and interest are best to avoid at all costs, otherwise do not use a credit card
Let's be honest. The reason most people got the Apple Card was because it had their logo on it. 😂
@@soonerborn9073 nah it's because it has the 🍏 on it 😂
would this card be good as a second credit card ?
This is what I’m wondering too
@@jaz8582 i mean if it helps i went ahead and got mine nothing happened so if you want to i’ll say go ahead
Lets say you get approved with the apple card and you purchase the $2000 macbook pro and you pay it off in a month Does Apple offer any kind of perks for that?
I have a credit card through my bank ( fifth third ) i wanted to get a 2nd card and was thinking of the Apple card mainly because i want to get a higher credit score is it smart to get the Apple card to establish higher credit score
If you use the card the right way then the Apple card can be a good option! As long as you pay on time and in full each month then it should help your score over time (not considering any other factors)
What if I just use it to buy iPhone and nothing else and not use it til it’s paid off?
Hello, I have a question. When you add the Apple Card to Apple Pay does that mean you have to use the card for 2% cash back? Or can I use any card like my Amex gold with Apple Pay and still get that 2% with the Apple Card. Since when you use a credit card at most merchants there’s up to a 2% fee I was thinking I can use other cards with Apple Pay to get the full benefits of the card with no credit merchant fee.
You have to use the Apple Card. But if you have the Amex Gold, you’ll probably get better rewards with that anyway.
Actually if you apply through credit karma. You get $75 after spending $75 in the first month I think.
I love your UA-cam channel. You are so handsome and smart. Thank you for all the info and being eye candy.
Thank you so much for watching, appreciate that! 👍
For Apple purchases get a target red card and load up anytime they have the $100 Apple gift cards with a free $10 or $15 target gift card. Or use your quarterly chase or discover category if it 5% on target. Then load that gift card to that Apple account. Comes out to between 9.5% or up to 19.5% off Apple purchases. Way better than 3% with the Apple Card. Then pay the remainder of the balance with the Apple Card at 3%.
No interest on apple products is good, I bought a $4000 laptop with it and put the $4000 I saved for the laptop in index fund