What are your experiences with Apple Card?

Of course, I ask because of my own annoying experience just now.

Last week I ordered a new macbook, one of the higher end models. At checkout there is an offer for the Apple Card, and so I do it for the 3% cash back. Surprisingly the credit limit given was _less_ than the order purchase amount, so the Apple store ended up canceling the order a week later.

Attempts to raise the limit w/ Goldman Sachs (who I understand have never done consumer credit cards until now) hit a deadend as the card is too new. The limit on the card is surprisingly low, I have other cards (albeit with history) >10x the Apple Card's limit. It seems odd to receive a limit of ~2500 from a bank when you present them with a tech-industry salary + high credit score.

I use it as my daily card. I like it a lot. Why?

- You can grind down the thickness on the corner of their metal card and use it as a box cutter. Probably don't risk taking it on airplanes, though.

- Cash back (that goes into their high-yield savings account)

- Get notifications and can view transactions easily on iPhone.

- It's pretty effortless.

- I'm not into becomimg a credit card offer expert and getting the most miles or cash back.

Worth mentioning this breaking news: Apple and Goldman Sachs are ending their Apple Card relationship.

https://www.macrumors.com/2023/11/28/apple-goldman-sachs-par...

Who knows how Apple Card will end up.

There's no annual fee so I'm not sure why someone would regret getting it. I've had it for about 3 years and use it for 3% back at Apple and Walgreens. It does the job.

It really shined on an international vacation about 2 years ago. Where Amex wasn't accepted the no-foreign-transaction-fee Mastercard was very useful.

When I applied they would only do a hard pull on an applicant's credit if they were approved. If that's still the case then I would definitely apply, even just for the thick metal card and the future long-standing line of credit.

It's rad. I use it for everyday expenses. I have it set up as a shared card with my spouse, we each have our own physical and digital cards. The integration with the Apple ecosystem is pretty great if that's what you are into; we get notifications on each other's transactions, and the categorized spending breakdowns in the wallet app help us with budgeting. Paying credit card bills is easy with the app. Disputing a charge is easy with the app.

Well it's over four years old, so not really that new.

The UI and UX are great, but I only use it for Apple subscriptions and sometimes groceries. Everything else I'd rather use my Chase card that gives me travel points. At this moment I value that more than cash back.

2% on Apple Pay purchases is pretty good, depending on if you frequent places that support it.

Never used the physical card anywhere. Use it with Apple Pay in B&M as well as web.

it is pretty good. easy to use/manage.