Why You NEED An Apple Card Right Now! (2023, UPDATED)

The Apple Card has been my most used credit card since Apple announced it four years ago, with a simple and fast interface, easy to understand payments, and a quick reward system that gives you a decent 2% unlimited cash back with Apple Pay. Like any other apple product though, Apple has constantly added updates to the Apple Card, and now with new features like a 4.15% high yield savings account, you need to apple for an Apple Card, right now.

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[javianjohnson]

I've been doing a lot of research on if the Apple Card is worth it for me, especially since I have two Chase cards that earns ultimate rewards points. But I will say, Apple adding that high yield savings account alongside the Card makes it MUCH more attractive to me, even with the card's weak rewards system. Thanks for this video

[jonathanellison]

I’ve had my apple card since August 2022, im going on a full year of ownership pretty soon and it’s a very solid card and I like all the cash back offers that it has especially the 3% back that even my discover card doesn’t give me with its cash back offers. Started with $2, 500 limit and it’s since been raised to $2, 750 over all trying to get it higher than that especially for trying to get a MacBook at some point in the future

[hummersd]

I haven’t even taken the titanium card out of its packaging since it’s only 1%. And yes, started moving over any savings that I won’t need in the next month or so that’s not currently slated to be invested elsewhere, into Apple’s HYSA. Love that it’s easy, clear, and a competitive APR. I was in credit card debt for years and years. Thanks to the big A, I finally paid it off, and plan on keeping it that way. It’s a new game, like closing rings on Apple Watch. Avoid interest at all costs. Even with inflation and just now seeing it reflected in egg and fish prices, it’s moderating spending to accommodate. And it’s nice to see the $ every month accruing interest in the HYSA (only one month so far, but that’s what made me realize I should put more in there compared to the measly .01% of the previous bank.)

[Kosaro]

I would like to point out that when a credit card is stolen and you order a replacement, Apple pay/Google pay/Samsung pay all get immediately updated with the new number regardless of what card you're using. You can't use the physical card until the replacement arrives, but it working immediately in Apple pay works for all cards.

[eofotos]

Have the card and it is now my primary one. Got the savings account as soon as it was available and love it. It is now my only savings account. Has me seriously considering if I even need a checking account anymore. Lol

[JulianPhotofit]

I've had the Apple Card for a while now. Like a year plus. I just deposited my first $1000 just now to Apple savings. You helped convince me. I've been hesitant but I current back has my savings interest at 1%. So this is a no brainer.

[wiskyNrum]

I would be using this card more often if they offered 2% on physical card
3% on Apple Pay and 4% on partnered merchants

[ChasingDaylightStudio]

I love this credit card. It’s fantastic for financing Apple products and now, the savings account interest rocks! I love it that now my cash-back goes straight into savings. It makes me want to use it more.. which is the point! I never pay interest either because it’s very clear how much to pay to keep the interest away!

[level_ken]

They weren’t lying in their ad campaign when they said there’s credit card, and then there’s THE credit card (meaning Apple’s). I got it and used it to get a new lawnmower from Home Depot and 1% rewards kicked in immediately. It also automatically paid my iCloud 2Gb bill for some reason, which was another 3%.

Also I recommend turning on their built-in security feature where the CVC code changes periodically. Seems like a no brainer.

[enochmogusu]

Most people won’t qualify for the Apple Card as their first card because you have to have a credit score 🤦🏽‍♂️

[legacyjeetkunedo]

I love this card, but would be even happier if they increases the physical card cash back to at least 1.5%.

[MegaLokopo]

Why would you ever not pay your card in full?

[jamesthompson]

I got the Apple Card as soon as it was released. I have grown to love it and the software that goes with it. It is brilliant. I have now made it my primary card.

[ivanandtrinchavez]

I’ve had one since April of 2021. I love this card so much. I’ve rotated through multiple cards since then and the Apple Card is still my 1st if not 2nd pick for best credit card.

[denniskirschbaum]

Apple has done nearly everything right with the Apple Card. The software, the billing, the wallet integration are all great. I just have two gripes. One is that it doesn't integrate seamlessly with Quicken. You can import the transactions but you have to do it in bulk at the end of each month when the statement appears in the wallet. It is not a huge deal but I prefer to see the transactions in Quicken as they process. If you don't track your purchases then this doesn't matter. My second issue is that the 2% Cash back on everything Apple Pay is ok but there are many cards that offer better rewards. My solution has been to have four different cards including the Apple Card and to use the one that generates the most cash back for that particularly purchase. It means I need to stop and think each time I pay for something. If the Apple Card rewards were just a bit better (e.g. 3 percent on travel, dining, groceries) I might be able to use it exclusively.

[Will_Roman]

had my Apple Card since it came out. people say the chase and citi what ever card has better rates. I think Apple a tech company with a credit card as a side hustle compete with the big boys says a lot. . I transferred a bunch of money to my apple saving account. all my cash back is going to my savings

[MinniNatty]

I totally agree, as soon as the card is used by you or anywhere you get a phone notification. Therefore it is very hard for someone who's stolen the card info to get away with it for long. And with other credit cards you might not even know the info had been stolen until days later, not to mention having to replace and cancel the card. Apple card is my primary card and I love using it. I've seen videos already bashing the new saving account and I'm like, how are you bashing a product you haven't used and tested?? Make it make sense.

[Bravowilly]

Apple just added 5% cash back until 9/20 for travel purchases! Honestly this card is now my preferred card these days.

[michaelmccabe]

Can the apple card be added to apple wallet instantly after approval or I have to wait on it to arrive in the mail first?

[adawg]

Always secure your credit card debt with an equal amount of cash, anything can happen and credit card debt that is unable to be paid for whatever reason will impact you financially for a very long time. Use a credit card as a debit card with rewards, of course emergencies happen and i dont blame people for using the banks money if an emergency happens, but just be vigilant.

Really know that credit cards are something you dont want to mess around with if you cannot pay it off, i have seen so many people after having their first credit card go crazy and end up in the 500-599 credit score range.