Five Years with the Apple Card: A Comprehensive Evaluation of Its Value

The Apple Card was announced over 5 years ago now, here is my long term review of this thing!

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0:00 - Apple Card announced 5 years ago
0:29 - 9to5ers
0:47 - The state of the Apple Card
1:14 - Physical Apple Card
1:38 - Apple Card perks
2:07 - Daily Cash Back
3:25 - Zero fees
3:50 - Apple Wallet App
5:14 - High Yield Savings Account
5:37 - Zero interest Apple Purchases
6:34 - Who this is for?
8:30 - Do you have an Apple Card?

#applecard #ios18 #walletapp

[Meowtownn]

Ngl, my credit went up from 1k to around 20k+ over the 5years. Bc they made it so easy to pay and understand how interest works!

[alestevez]

I’ve switched to the Apple Card as my primary credit card.

[MaxKito]

I was denied because of my student loans reporting not being able to pay. It’s very hard even if you have a good credit many YouTubers have expressed this as well so it’s not just me. I applied some time later on and I was approved for 🥁🥁🥁🥁🥁🥁$200😂 Yep, Apple just gave me $200 but I was super appreciative, because I’ve been working super hard on my credit. Two years in and now Apple increased my account to $550 and that’s an improvement. 😊

[Marisolismo]

I’ve had Apple Card since the beginning. Recently I tried a travel credit card but I felt that the time and energy I spent trying to min-max my points cost more than the simplicity of just receiving cash back from the Apple Card so I switched back to Apple Card and I’m very content.

[Daniel_Braun]

Definitely makes sense for those Apple purchases! I’m right there with you for using credit cards to earn points and miles for travel - and the Apple Card certainly plays a role for the right person that values simplicity and cash back.

Thanks for the shoutout in the description!

[mortecai]

being able to change the card number with the press of a button has been a game changer for me, I always recommend the apple card

[mulasien]

Apple Card has been a solid secondary card for me for places that don’t take AMEX. Unfortunately, the point bonuses with AMEX are far better than Apple Card preventing it from being my primary card. The 0% fee really makes it a no brainer for a secondary card, assuming you automatically pay it off each month.

[wilbertmaluyo]

I love my apple card. I started with 5k credit limit and now 31K. I always pay off my balance each month so i never paid any interest.

[shapeofsoup]

A couple of corrections. I love my Apple Card though, to be clear.

One, 2% cash back isn’t rare for zero fee cards. There are several that offer 2% or better, including Citi Double Cash, various Chase cards, Wells Fargo Active Cash, Amex Blue Cash, and many others. That said, what these cards don’t have on the Apple Card is that Daily Cash or the integrated UI, which are both pretty nice.

Two, just a heads up on the 0% finance options for large Apple Card purchases: it’s either that OR the 3% cash back. So choose wisely.

[wateriver]

I’ve had my Apple Card since 2020. I don’t use it much other than for financing stuff at Apple and for places that give you 3% cashback, currently Uber, Uber eats and T-Mobile is where I use my Apple Card. Having the titanium card is great but I never use it since if you use your card physically you only get one percent versus 2% if you use the Wallet app. Definitely a good card to help you learn the ropes of the credit world but there are far better cards You can get, especially if it’s your first credit card. Also only when you finance an iPhone do you get 24 months financing. Not sure why they don’t offer 24 month financing on their computers since they can get more expensive than iPhones real quick.

[johnjerrigo]

I have been an Apple Card user since day one as well, enjoying my 10k credit limit that I have built up since day one.

[Jeannemarre]

5 years and still no Apple Card in Switzerland 😅

[iMustafaTube]

One of the best cards in my opinion. I love how it's integrated in the Apple Wallet and it's always ready and there when needed. I also like how easy it is to find transactions even when going back to 2019.

[droidxsc]

Great no fee card for people deeply integrated into the Apple eco system. Family sharing is the best perk in my opinion and the simplicity of the HYSA built right in…. No intro offer so it’s not seen as a flashy pick by most content creators, but under rated for the right consumer

[ReviewswBryz]

Hey Fernando, Thanks for the review...is the iPhone really your primary Camera? 🤯

[cndoubles]

Love my Apple Card had this card for 3 years now wallet app might be the best app on the iPhone

[dinkyshopYT]

Is the credit card what triggers ability to have the Apple Savings account? Bc I think ppl are missing that the savings acct is FDIC insured (in the USA) AND the interest rate is between 4.4% to 5%, which is better than terms of most other banks (for small deposit balances) and none of the restrictions of a CD. And your daily spending cash back can auto deposit into the savings account. I’ve earned a fair amount of money in that savings account. 🐬

[forsakenking]

I have the Amex Platinum & Gold, I’m maximizing that card combo as much as I can but I feel like I need a cash back card that’s not in the Amex ecosystem 🐬

[Trainasaurus]

I learn a lot and you help me research my next purchase. Thank you Fernando!! 🐬

[Eloom]

lol @ adding further ado immediately after saying “without further ado”