Best credit card I ever had. I’ve had it for years and never paid a dime of interest because I know when and how much I need to pay. All my other cards with “better” benefits will rip me off every chance they have. I will stick with this card as long as it exists!
This is one of the first positive comments I’ve seen about this card on my channel! Anything to do with Apple just gets so much blind hate without even people evaluating the product on their own. I think this card seems great! It’s very transparent and easy to use, and has a great user experience! I’ll probably be making a follow up video on this card in the future, so I hope you will consider subscribing so you don’t miss it! Thanks again for watching and I hope to see you in another video!😃
Very professional description and well explained! Thanks for the information, wish you the best and keep posting videos and you will be one of the best, good luck to you
Thank you for your very nice comment! I definitely appreciate you watching the video and for leaving nice works, much appreciated! I still plan to stay consistent and to upload many more videos, so I hope you’re willing to help my channel grow and consider subscribing! I would love to have you! Otherwise, I hope you have a great day!😃
6:29 the reason they lost money is because Apple insisted on pretty much everyone getting approved, (even people with bad credit score) whether you pay interest or not the bank makes money on every transaction and regardless, there will still be tons of people who will pay interest anyway. this is an american problem. I live in a country where the banks clearly state all this information and they do just fine.
That is good to know! I’m not too familiar with how credit cards work outside of the United States, but I can appreciate how you mentioned how clear the information is. I definitely think cards in the United States can be more clear on the interest, payments, etc., like the Apple Card is. I might look more into how credit cards work in other countries, may make for an interesting video. Thanks a lot for watching! Appreciate you and hope to see you in another video!
Of course! I’m glad to be able to help you in your personal finance journey! I hope you’ll please consider subscribing also so you can help me grow my small channel so I can make videos for years to come! Thanks again for watching and for your support!!😃
Great video! Keep up the good work. I can't wait to get approved for the card. My credit score is currently at 690, which is really good, but I still can't get approved. :(
I’m sure if you keep it up you will be able to bump up that credit score and get this card!! Just keep going! You got this! Also really appreciate you watching my video. I hope you’ll consider subscribing so I see you in another video! Thanks again for watching! 👍
@@NeonLemonAcid well on June 2nd l will get an invitation from them to see if l get approved but damn lucky you have fun with the card just remember to never go over 30% for the limit on the card.
Really well edited and put together video! Agreed that Apple is a master of UX. However as someone who pays on time always, interest has never been a concern for me and I can get better rewards from other cards. Saving money at a slightly worse UX is better to me than Apple’s ecosystem
Thanks for watching my video, Hawkin! Appreciate it! I completely agree with what you mentioned! I realized after making those video I should have mentioned more about the whole ecosystem thing, because that is true if you get this card, it’s another way that Apple with lock you into their ecosystem. For me personally, I didn’t think of that as much while making this because I already have multiple Apple products and have no plan on switching, so I kinda just overlooked it. Otherwise it seems to be a very great card so far! I’ll probably make a follow up video in the future and talk about some of those things. Again, thanks for watching! Looks like you are thriving in Utah🙌 keep it up!
Thank you so much for watching! Glad you’re applied for the Apple Card! I hope you’ll consider subscribing to my channel so you can help my small channel grow🤲! Otherwise, I hope you have a great rest of your day!
This needs to come to Canada and 1% is pretty good for a no fee credit card in Canada. Most cash back cards with no annual fee cards in Canada mostly offer 0.5 on other purchases and 1% on gas and groceries sadly most don’t offer Uber or take out. It’s the other spending catagory which give you 0.5 % which sucks
That is very interesting and a good point you made. I am not familiar at all with how credit cards work in Canada, so it’s surprising to me that just 1% is considered good, because in the U.S. that’s actually pretty bad. That could almost be a good topic for a future video. I hope you enjoyed this video though! It would be super helpful to my channel if you considered subscribing, as I plan to make many more finance and card videos in the future. Otherwise, I hope you have a great day!!👍
Thanks so much for the nice comment! Appreciate you lots for watching! Hope you’ll consider subscribing so I can see you in another one! Have a great day!👍
I did forget to talk about that feature, but it’s a very cool feature of the Apple Card! Thanks for your comment, and thanks for watching the video! I hope you’ll consider subscribing, so I see you in another video. Otherwise, I hope you have a great rest of your day!😃
I’m not too familiar with how credit cards in Canada, but I’m all for spreading the card around lol! I assume regulation and things are quite a bit different, so it would be interesting to see if this card will ever come there. Hope you enjoyed this video and hope you consider subscribing, as I’m definitely making more credit card videos in the future! Hope to see multiple in another one and have a great day!😃
I took this note below straight from Apple’s website: What happens to Daily Cash when you return a purchase If you return a purchase made with Apple Card and are issued a credit for the purchase price, the Daily Cash you received when you made the purchase is charged back to your Apple Card. So sounds like to me that they will charge you the Apple Cash that you spent, should return the item. My advice, don’t spend the Apple Cash you earn on something that you might return. I plan to make more finance videos in the future, so I hope you’ll consider subscribing so I see you in another one! Otherwise, I hope you have a great day!😃
I was unsure of this option because I have never transferred a credit card balance, so I turned to google for a response. In short, the answer that I found was no, you can't transfer a balance from another credit card onto the Apple Card. I hope this helps! I'm always posting various personal finance topics and am going to make more credit card videos in the future, so I hope you'll consider subscribing so I can see you again in a future video! Otherwise, thanks for watching!!
Might be a dumb question to ask, but here it goes. If I spend $300 in a month with my Apple Card, do I need to pay up the $300 by the end of the month? Or is it just a partial payment I must give by the end of the month? Sorry I’m new to the credit card world.
It’s better to pay the $300 by the end of the month, that’s your balance. don’t do minimum payments. Minimum payment on that $300 could be like $20 or something low. In short, pay the full balance off always.
Definitely plan to always pay the money back that you spend. If you don’t pay the balance in full, then you will accumulate interest and you’ll have to pay back more than what you spent. If you pay in full at the end of every month, then you will never accrue interest. Hope that helps! I’ll definitely be making more finance and credit card videos in the future, so I hope you’ll consider subscribing so that way I can help you out! Anyway, I hope you have a great rest of your day!
I’m not sure if I’m following what you’re asking 100%, but currently I do not believe that Apple offers any sort of no interest period for applying for the card. If you don’t pay the card balance off in full every month, that’s when you will start to accrue interest which is the same as any credit card. If you don’t want to pay interest, you have to pay off the card balance in full at the end of every month. Hope this helps! I make plenty of personal finance and credit card videos, so if that’s something you’re interested in if you subscribe you will see more of that. Hope you have a great day!😄
If Goldman Sachs partnered with world banks and brought these cards, they would be a success everywhere those rights alone would be worth the rights of banking with Apple. They could have dominated if their expansion. Plan was more aggressive…
I did a quick google search, because I was completely unaware of this answer and what I found was they typically approve anyone that makes over $20,000 a year or so. This was just from google, so take that with a grain of salt. Apple designed this card to appeal to the masses, so almost anyone can get approved. Thank you so much for watching the video! I plan to make more Apple Card videos in the future so I hope you’ll consider subscribing so I see you in another video! Thanks again!😃
Best credit card I ever had. I’ve had it for years and never paid a dime of interest because I know when and how much I need to pay. All my other cards with “better” benefits will rip me off every chance they have. I will stick with this card as long as it exists!
This is one of the first positive comments I’ve seen about this card on my channel! Anything to do with Apple just gets so much blind hate without even people evaluating the product on their own. I think this card seems great! It’s very transparent and easy to use, and has a great user experience!
I’ll probably be making a follow up video on this card in the future, so I hope you will consider subscribing so you don’t miss it! Thanks again for watching and I hope to see you in another video!😃
Very professional description and well explained! Thanks for the information, wish you the best and keep posting videos and you will be one of the best, good luck to you
Thank you for your very nice comment! I definitely appreciate you watching the video and for leaving nice works, much appreciated!
I still plan to stay consistent and to upload many more videos, so I hope you’re willing to help my channel grow and consider subscribing! I would love to have you! Otherwise, I hope you have a great day!😃
6:29 the reason they lost money is because Apple insisted on pretty much everyone getting approved, (even people with bad credit score) whether you pay interest or not the bank makes money on every transaction and regardless, there will still be tons of people who will pay interest anyway. this is an american problem. I live in a country where the banks clearly state all this information and they do just fine.
That is good to know! I’m not too familiar with how credit cards work outside of the United States, but I can appreciate how you mentioned how clear the information is. I definitely think cards in the United States can be more clear on the interest, payments, etc., like the Apple Card is. I might look more into how credit cards work in other countries, may make for an interesting video. Thanks a lot for watching! Appreciate you and hope to see you in another video!
Thank you for information 🌹🌹🌹
Of course! I’m glad to be able to help you in your personal finance journey! I hope you’ll please consider subscribing also so you can help me grow my small channel so I can make videos for years to come! Thanks again for watching and for your support!!😃
Great video! Keep up the good work. I can't wait to get approved for the card. My credit score is currently at 690, which is really good, but I still can't get approved. :(
I’m sure if you keep it up you will be able to bump up that credit score and get this card!! Just keep going! You got this!
Also really appreciate you watching my video. I hope you’ll consider subscribing so I see you in another video! Thanks again for watching! 👍
They just approved me for 4K with only 630 Experian and (somehow) like 570 Transunion or something awful. It’s so arbitrary.
@@NeonLemonAcid well on June 2nd l will get an invitation from them to see if l get approved but damn lucky you have fun with the card just remember to never go over 30% for the limit on the card.
Really well edited and put together video!
Agreed that Apple is a master of UX. However as someone who pays on time always, interest has never been a concern for me and I can get better rewards from other cards. Saving money at a slightly worse UX is better to me than Apple’s ecosystem
Thanks for watching my video, Hawkin! Appreciate it!
I completely agree with what you mentioned! I realized after making those video I should have mentioned more about the whole ecosystem thing, because that is true if you get this card, it’s another way that Apple with lock you into their ecosystem. For me personally, I didn’t think of that as much while making this because I already have multiple Apple products and have no plan on switching, so I kinda just overlooked it. Otherwise it seems to be a very great card so far! I’ll probably make a follow up video in the future and talk about some of those things. Again, thanks for watching! Looks like you are thriving in Utah🙌 keep it up!
Great video, I’ve received several emails of pre approval!
Thank you so much for watching! Glad you’re applied for the Apple Card! I hope you’ll consider subscribing to my channel so you can help my small channel grow🤲! Otherwise, I hope you have a great rest of your day!
This needs to come to Canada and 1% is pretty good for a no fee credit card in Canada. Most cash back cards with no annual fee cards in Canada mostly offer 0.5 on other purchases and 1% on gas and groceries sadly most don’t offer Uber or take out. It’s the other spending catagory which give you 0.5 % which sucks
That is very interesting and a good point you made. I am not familiar at all with how credit cards work in Canada, so it’s surprising to me that just 1% is considered good, because in the U.S. that’s actually pretty bad. That could almost be a good topic for a future video.
I hope you enjoyed this video though! It would be super helpful to my channel if you considered subscribing, as I plan to make many more finance and card videos in the future. Otherwise, I hope you have a great day!!👍
Great vid
Thanks so much for the nice comment! Appreciate you lots for watching! Hope you’ll consider subscribing so I can see you in another one! Have a great day!👍
You didn’t talk about the cards color changes based on purchases (green, pink, orange etc.) It’s not a necessary function but still pretty cool 👍🏽
I did forget to talk about that feature, but it’s a very cool feature of the Apple Card! Thanks for your comment, and thanks for watching the video! I hope you’ll consider subscribing, so I see you in another video. Otherwise, I hope you have a great rest of your day!😃
I hope this comes to Canada one day!
I’m not too familiar with how credit cards in Canada, but I’m all for spreading the card around lol! I assume regulation and things are quite a bit different, so it would be interesting to see if this card will ever come there.
Hope you enjoyed this video and hope you consider subscribing, as I’m definitely making more credit card videos in the future! Hope to see multiple in another one and have a great day!😃
if you get cash back after the transaction clears, then you use the points, but then you return the item. How does that work?
I took this note below straight from Apple’s website:
What happens to Daily Cash when you return a purchase
If you return a purchase made with Apple Card and are issued a credit for the purchase price, the Daily Cash you received when you made the purchase is charged back to your Apple Card.
So sounds like to me that they will charge you the Apple Cash that you spent, should return the item. My advice, don’t spend the Apple Cash you earn on something that you might return. I plan to make more finance videos in the future, so I hope you’ll consider subscribing so I see you in another one! Otherwise, I hope you have a great day!😃
@@rileyreform ahhh excellent, excellent.... makes sense... Apple isnt stupid, thanks a lot. nice video.
Hi ! Is there an option to transfer another credit card debt to an Apple Card?
I was unsure of this option because I have never transferred a credit card balance, so I turned to google for a response. In short, the answer that I found was no, you can't transfer a balance from another credit card onto the Apple Card. I hope this helps!
I'm always posting various personal finance topics and am going to make more credit card videos in the future, so I hope you'll consider subscribing so I can see you again in a future video! Otherwise, thanks for watching!!
Might be a dumb question to ask, but here it goes. If I spend $300 in a month with my Apple Card, do I need to pay up the $300 by the end of the month? Or is it just a partial payment I must give by the end of the month? Sorry I’m new to the credit card world.
It’s better to pay the $300 by the end of the month, that’s your balance. don’t do minimum payments. Minimum payment on that $300 could be like $20 or something low. In short, pay the full balance off always.
Definitely plan to always pay the money back that you spend. If you don’t pay the balance in full, then you will accumulate interest and you’ll have to pay back more than what you spent. If you pay in full at the end of every month, then you will never accrue interest. Hope that helps! I’ll definitely be making more finance and credit card videos in the future, so I hope you’ll consider subscribing so that way I can help you out! Anyway, I hope you have a great rest of your day!
@@rileyreform thanks for the advice! Definitely subscribing. You have a great day as well.
@@likewhaa22 thanks for the advice!
So there’s no 12 month no interest? And you can’t make monthly payments without paying a ton of interest?
I’m not sure if I’m following what you’re asking 100%, but currently I do not believe that Apple offers any sort of no interest period for applying for the card. If you don’t pay the card balance off in full every month, that’s when you will start to accrue interest which is the same as any credit card. If you don’t want to pay interest, you have to pay off the card balance in full at the end of every month. Hope this helps! I make plenty of personal finance and credit card videos, so if that’s something you’re interested in if you subscribe you will see more of that. Hope you have a great day!😄
If Goldman Sachs partnered with world banks and brought these cards, they would be a success everywhere those rights alone would be worth the rights of banking with Apple. They could have dominated if their expansion. Plan was more aggressive…
Definitely a good thing to note. Thanks so much for watching the video! Appreciate you!
Appreciate the response! Keep up the great work!
Thank you!! Hope you consider subscribing so I see you in another video! Much thanks!😄
How much does someone have to make to get a Apple Card
I did a quick google search, because I was completely unaware of this answer and what I found was they typically approve anyone that makes over $20,000 a year or so. This was just from google, so take that with a grain of salt. Apple designed this card to appeal to the masses, so almost anyone can get approved. Thank you so much for watching the video! I plan to make more Apple Card videos in the future so I hope you’ll consider subscribing so I see you in another video! Thanks again!😃