Is Apple card worth it?

I'm a fan. The cash back is pretty useful, the interfaces are all easy to use, and customer service is all through iMessage which is awesome. I have 3 credit cards in rotation and this is one of them.

You'll find it less useful if you're not all-in on the Apple eco-system (My family and I are all-in so we love it).

Honestly, probably not. It’s not the best for most rewards categories but it’s integration into iOS is really nice and it’s security features aren’t bad. I wouldn’t recommend it for most people though

I would not recommend locking yourself into a single platform.