Why YOU Need an Apple Card in 2024

It's been four years since the Apple Card has been released and it has not only been the best credit card that I have ever used with its simple user interface and great instant reward system, but it also might be one of the best financial decisions I have ever made thanks to its new High Yield Savings account where you can earn 4.35% on your money every single year. It's why if you're trying to better your finances in 2024, you need an Apple Credit card.

[gebertfamily]

One of the best features is to be able to dispute a claim right on my phone. I had a situation with a hotel who tried to over charge me and refuse to correct it but apple took care of it in seconds and credited my account immediately.

[drift]

word is chase is going to take over for goldman, since chase already handles a lot for apple. So im keeping my apple card. It's been the best one i've used to date.

[Gamerpro]

4.50% now. Just grew for a 3rd time. It’s now competes with the other high yield savings accounts out there

[beaniemac]

The apple card by far has the easiest interface of any credit card. That said, I have another card that pays me 2.63% on every purchase, which I use on almost everything. I do use apple card for the merchants that pay 3% and will use it when they have double cash back periodically. The apple savings account is good as well. Especially with the two recent interest rate increases. I'm currently sending money to my apple savings account and using it as an escrow account to pay my property taxes and home insurance every year instead of letting my bank hold my escrow money.

[casualgamr]

Best card ever. 👌 got one last year. Never look back. Pay in full.

[sallyharris]

I have the Apple Card and love it, especially the fact that it has the benefit of cash back that will automatically be transferred to the savings account which, by the way, has a high interest rate. Didn’t know about the T-Mobile 3% deal so I just switched my bill to be paid by Apple Pay.

[jamesthompson]

I have both the Apple Card and use the savings account. The savings account is also free of any fees and allows unlimited free withdrawals each month. I don't withdraw. 👍 My iPhone is now my bank.

[jeffd]

I love the Apple Card! I use it for all my daily purchases and pay it off in full, and use the cash back rewards to pay off other stuff. Hopefully they find a new bank to partner with so the card sticks around.

[adamr]

I really like my Apple Card too. As a word of warning you can’t have a joint high savings account. So if disaster strikes and you are unable to access your account (dead phone or YOU are dead) it could be a challenge for your family to access the money.

Greg when you said you deposited $20K into account I felt both a thrill and my stomach drop. 😅

[CHAOS_E]

I’ve had it for 2 years. Best “catch it all” card. If one of my cards doesn’t get at least 2% back, then I’ll use the card. It’s mostly used for gas until I find a better card and to buy apple products.

[harrisonbannerman]

Goldman Sachs dropped Apple last month because the Apple Card isn't profitable, so that definitely means it's the best card for consumers.

Unfortunately I don't see the apple card existing long-term if it continues to unprofitable for whatever banks partners with Apple.

[SunshineFL]

I like that you can add up to 5 users of the same card with spending limits as you are responsible for all payments.

[Christian_Luczejko]

People, the man has spent 160-220k USD on that card to get that $5k money back.

[stevo_]

Apple: Apple Pay almost everywhere

Walmart: 👀still not using it yet

[nolaboigee]

My top daily cards are Cap One Venture and the Apple Card. Surprisingly, one thing I found out in Thailand is that many places don’t accept Master Card there.

[Jeannemarre]

Wish we had it in Switzerland, but obviously with the amount of banks we have here and how much money they would lose they are completely blocking Apple from doing it

[bastcat]

So my daughter was on a trip. She has a debit card for her spending money. Her card was locked because she was in a different state. I was easily able to get her on my Apple Card so she has money. I also was able to put a spending limit and a monthly limit on the card for her and then I can block her being able to use the card with just one click.

[itsjuliescottyay]

I bought my new refrigerator on Apple Pay, then paid it in full at the end of the month and got my cash back. 🙂

[jonathanellison]

I’ve had my Apple Card since August of 2022. I now have a $4, 750 credit limit I do like the card and it has a lot of great perks especially for Apple Pay. I do wanna be able to maximize the earnings and I haven’t paid no interest on the card at all either since I pay the balances off in full even though I have to break it up in pieces with other bills and the savings account is nice as well but I don’t use it that much.

[Techjunkie]

I got my iPhone 15 on my Apple card. Just got it on November and pay 200 a month on it, no interest, and I don’t have to pay AT&T any ridiculous extra fees cause I have a prepay account for 35.00 a month. I get the same features for 35.00 on prepay as I did paying 80.00 for a regular phone plan.