I’m a big fan of Apple. I love most of their products and use a bunch of their stuff every day without really realizing (Apple maps, Health, Bedtime function, etc). When I heard about the Apple Credit Card, I was excited. I’m also interested in credit cards and the ins and outs of how they work. A combination of two things that I’m into? Sold.
This is one of credit cards I now have and I have to say that I’m impressed by how Apple runs things. I had a question about interest charges, so I texted (not called!) the number they gave me. I was immediately connected with a representative that answered all of my questions via text. I was pleasantly surprised by how quickly everything was resolved.
Speaking of interest charges, the Apple credit card is one of the few cards out there that will encourage you to spend less on interest. On one of my other credit cards, I never know how much interest there will be until I’m hit with it. It’s not the best surprise. With Apple, there is a super easy-to-use rotating wheel that will show you how much interest you will pay (from minimum payment of $25 to when there will be no interest charges to when the entire bill will be paid off). There is also an option to use your keyboard to manually type in which amount you would like to pay off.
I’m a big fan of organization. I like being able to see where I’m spending, and Apple automatically does that through different categories, like entertainment and drinks/food. With some other credit cards, you have to go through different screens in order to find that information. Depending on which categories are highest, the color of the Apple card will change with your spending.
I’m a huge fan of cashback deals, because who doesn’t like free money? The biggest attraction for the Apple card would be the different cashbacks available. As someone who loves Apple products, the 3% cashback from the credit card would add up after a while! There’s 2% on purchases made with ApplePay, which is available almost everywhere (the only place I’ve been so far that doesn’t take it has been Michael’s, the art store). With the physical card, you get 1% cashback (industry competitive rates are at about 1.5%). The 2% and 3% cashbacks make up for the lack of the 1.5% cashback on normal purchases.
One of my biggest concerns is safety and privacy. This card is amazing because there is no information on the card other than your name. Laser-etched into the surface! It’s a clean and official looking card. I was so happy when I got mine in the mail. You have to use your TouchID or FaceID in order to access all of the card information, such as the number and CVV. I love that this card is so secure that if you lose it, you don’t have to worry.
I do have one concern where this card is so dependent on the iPhone. If you don’t have access to your phone, you don’t have a way to make payments. I always have my phone on me, thankfully, but if I didn’t, I would be concerned. There’s no way to access your account from a browser or anything like that. If Apple offered a way to access accounts and payment from a browser, I would be pleasantly surprised.
Overally, I’m really happy with the card. I like how I can use it with just my phone, which makes it easier than digging around in my bag for my wallet and then my individual card. The cashback is so nice and I love that everything is so organized in a clear way. I would recommend the Apple card just because the APR rates are great, the app is organized, and the support system is one of the best I’ve ever dealt with. I’m happy with the card so far! If you’re interested, contact me! I would love to talk to you about it. Thank you so much for reading!