Lets talk about the new 2019 Apple Credit Card…and why I won’t be getting one. Enjoy. Add me on Instagram: GPStephan
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Summed Up:
Titanium Card without numbers on it
1% cash back on all purchases
2% cash back when used through Apple Pay
3% cash back on apple products
No fees or foreign transaction fees
Enhanced analytics to track spending
When it comes to the Apple Credit Card…it’s…in my opinion…a little disappointing, and I’m going to pass on it. Not that I think it won’t do well for Apple and their customer base, but specifically as a credit card…they missed so many amazing opportunities to make this a home-run card that everyone should get.
In terms of usefulness and practicality, the credit card is really just OK. And I have a feeling, from Apple’s perspective, that’s what they wanted to go for all along. It’s a credit card that’s created for mass appeal, and that’s it. It’s not built to be the best credit card out there, it isn’t meant to offer crazy competitive rewards to compete with American Express or the Chase Sapphire…it’s JUST meant to appeal to as broad of an audience as possible, who loves Apple, and wants something somewhat unique – which is what they’ll get with a titanium laser etched card without numbers on it.
And I wouldn’t be surprised when this soon becomes the new trend among credit cards, to issue blank cards without numbers on them. When it comes to something unique or special – this is really what I think this credit card has going for it. It’s a novelty, but at the same time, it’s kinda cool and gets attention. And it costs nothing, with 1-3% cash back, which is decent. So for that, I’ll give it to apple.
Like I said, for MOST people, this card will be perfect for them – Apple isn’t going after the people who really maximize rewards, and try to squeeze the most value from everything they do.
Apple seems like they were aiming to make something that’s probably a little better than what the AVERAGE person is currently getting with their random crappy credit cards, and that’s their market – and arguably, THAT market is much bigger to go after than the people like me and most of you watching who just want crazy good benefits and rewards, and just want the best of the best.
So in terms of market share, I have no doubt Apple will be successful with these cards, and many people will get it ONLY because it’s apple, only because it’s metal, and only because it’s got a “trend” factor to it.
With that said, I DO think Apple missed a huge opportunity to offer SOME type of sign-up bonus with this card to attract an even larger audience.
THIS was their golden opportunity to get people into a frenzy over getting this card who wouldn’t have ordinarily applied. If they want a TON of new customers, just offer a few hundred dollars back on your first $2000 spent. If they had done that, I would’ve gone for it – that way I can justify having a hard inquiry on my credit report.
So would I recommend this card for anyone watching?
Yes. It’s a no fee card, zero transaction fees, 1-3% cash back, and it’s titanium without numbers on it. To me, this card isn’t bad – I have nothing against it, and it’s absolutely BETTER than most of the other generic crap out there.
However, there are many BETTER credit cards than this – like the Citi Double Cash Rewards Card – that give you a much more broad 2% cash back, without an annual fee, while also offering extended warranty protection. Or, the Discover Cash Back which offers 5% cash back on revolving categories.
So if your goal is maximizing rewards and going for the best credit card possible, the apple card isn’t it. They missed the mark on that one.
However, if your goal is just getting a basic, no fee card that you can enjoy and use – and you don’t care about getting the highest value all the time – then it’s good. And this is definitely the biggest demographic out there, who apple plans to market to. They understand the average audience an they’re making a mass market card for most people.
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Apple care covers accidental damage. The manufacture warranty is only for defects.
Apple rejected my application, I guess I’m too poor for them 😂 student annual income wasn’t high enough I suppose
Hi Lexi – bummer about the denial for the Apple Card. Did you decide to try again? Or get a different card? 💳
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Amazing job with the video. The only thing I would say is a lot has changed from when this video was made. Seems like just about everyone has Apple Pay. From my local bakery to the small deli around the corner. Although I do agree that the city double cash card does have it beat with the 3% feature. There’s just something to be said about the convenience of Apple card. Whether it’s Apple Pay, no fees ever, or the extremely interactive app Plus the convenience of getting your money pretty much instantly. Love your content keep up the hard work!
Hey BrooklynStaten – good point about the convenience of the Apple Card; the way it integrates with the Wallet app is awesome 😃👍 Do you have the Apple Card yourself & like using it?
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apple pay without the apple credit card is also great though because even if you use the phycial card to swipe a purchase the tracking charges feature on the wallet app is still gonna work just fine.
Warranty is very different from AppleCare+ though. What does the citi bank extended warranty cover? Accidental damage or manufacturing defects?
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I love my Apple Credit Card. You get cash back the next day.
Yep, the Daily Cash on the Apple Card is awesome! 😃💵 Is it your most used card?
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reeeeeeee. apple care and warranty are not the same thing. it very clearly said accidental damage. warranty is like your screen randomly dying. not if you drop it or something
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Who doesnt do apple pay anymore?
Haha good point, I see Apple Pay being accepted at so many places now 👍 Did you get the Apple Card?
we need a graham stephan credit card
Hey Jack – haha that’d be legit! 😂✌ Did you get any new credit cards so far in 2022?
I’m kind of new to this and wanting to get a credit card but I don’t know which one would be good or is the best , I travel a lot but since corona came I stopped so yeah , thanks whoever helps
Hi Johnny – did you decide on a credit card already? 😃💳
There’s no hard inquiry with this card
Hi Avraham – good point about no hard inquiry, but that’s only up to the point of reaching a decision of an approval or denial. If you get approved & accept the offer, then a hard inquiry will be performed. Did you get the Apple Card yourself? 😃💳
@Mark Reese // Credit & Finance yes I’ve had the card for a while now.
I don’t remember getting a hard inquiry but I guess I have forgotten my bad.
@Avraham Radin – All good, congrats on the approval! 👊💯
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So would this be a good beginner card?
Hi Juan – in general, yes, but not likely for your 1st card ever. Ideal to have some credit built up first. Did you end up getting it yourself?
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I owed 0$ and they still hit me with a 8$ “interest”
why is that btw
I love it! My score in under 700 and I was approved! I can check from my Apple wallet and pay by phone. I love the app. Everything you need to know.
Hey Cherry – congrats on getting the Apple Card awhile ago! Totally agreed about the app, it’s fantastic. Is the Apple Card the one you use most often?
I love my Apple Card. There’s zero financial advantage to buying a meal with it, but the look on the waitress’s face is priceless.
Haha 😂✌ Do you still get reactions when using the Apple Card?
I got it and I love the card…mainly because I pay my balance off every month, so I’ve gotten a lot of cash back. Plus my limits is increased on a consistent basis.
Hi Raffine – congrats on getting an approval for the Apple Card awhile back! Is it still your most-used card in 2022? 😃💳
The apple planet !
Thanks for referring me to Therealdarkfullz on telegram, The guy is the realest I bought a credit card from him, very valid No reds flags at all
We need more credit card reviews and give them ratings and have like a leaderboard for the top ones!
Hey Thomas – great video idea! Did you choose to get the Apple card yourself? 😃💳
👍
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AAA Visa and Amazon Prime Visa don’t have annual fees but don’t have foreign transaction fee. Neither does Amex Delta Blue, but people don’t accept Amex outside the US as much
Why not in europe
Every single store in my country accepts apple pay
As a person who uses Apple Pay a tone of the time I find it to be worth it. I also think it’s a good beginners credit card.
Hey Levi – yep good point, when you use it with Apple Pay to earn 2% – 3% Daily Cash, the card can be quite decent. Did you get the Apple Card yourself & still use it to this day? 😃💳
Finally!!! A credit card made out of titanium and not plastic 😀. I can finally do cocaine without using the flimsy plastic card😎👌
Did you decide to get the Apple Card? 😃💳
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Oh my gosh I should’ve watch this before I got the card…
Hey there – since you decided to get the Apple Card, have you found that you like it? 😃💳
What made you go from “gently tap” to “destroy” the like button? Great rundown in this video
Hahaha I’m seeing this a year later & am now wondering the same thing 😂✌ Did you decide to get the Apple Card?
Can it be a minimal of $200 like Discover, CapitalOne, and OpenSky?
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Hi Ally – are you referring to the minimum credit limit? Or are you asking if it allows a security deposit like a secured card?
@Mark Reese // Credit & Finance If you could address both that’d be great! Saw that the minimum credit could increase depending on the individuals preference & eligibility. But wasn’t sure how much it would benefit credit status.
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I thought about getting the apple card until i was reading reviews somewhere & a person with the card said that they don’t report to all three credit bureau’s & they don’t even report once a monthThe person said that he had to call them & tell them to report because it had been three months without any reporting.I was turned off from that point.🚮
Would getting this card be good ONLY to purchase a Mac Mini?
You know what really grinds my gears? Graham is such a lover of credit cards but won’t make his own credit card company. Or maybe…that’s in the plan all along! Imagine the Iced Coffee card 🤩
Hahaha with 10% back on coffee purchases?! 😄☕ That’d be legit. Do you have the Apple Card?
I’m going to use this as a joint spending account with my wife – the user interface makes that really easy.
Hey Matt – great idea, and I agree, the user interface on the Apple Card is among the best in the industry right now 👍 Do you use your Apple Card along with any other cash back cards?
This is honestly the best credit card I ever had
Hey GH! What do you like most about the Apple Card? 😃💳
Has anyone ever told you that you sound like Gilbert Gottfried?
Do you still agree on not getting the apple card?
Hey Vamos! Did you get the Apple Card? 😃💳
I do like that it’s made of metal haha
Hey David – haha yep, it’s definitely one of the coolest metal cards out there! Did you decide to apply for the Apple Card?
Where so yall shop…cause apple pay is literally everywhere
Yep, I find Apple Pay is accepted at a lot of places these days 😃 Do you have the Apple Card?
I’m mainly using this card for gas… it’s not best card but it’s useful if you like apple products and use alot a gas
Hey BOXING4LIFE – do you fill up at ExxonMobil locations? 😃
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Hey Joseph! Haha hilarious part of the video 😂 Did you decide to get the Apple Card, too?
His. Voice. Annoys. Me.
So what credit score do you need to be qualified
Thank you.
They Thanos D – do you have the Apple Card yourself? 💳
No annual fee and no foreign transaction fee is very rare, pretty niche but useful for certain people, and the physical card itself is secure
Indeed! No FTFs on a card without an annual fee is great. Do you have the Apple Card? 😃💳
Can you make another “best of credit cards” review for today
Hey Lucas! Have you gotten approved for any new credit cards so far in 2022? 😃💳
These days Apple Pay is so prevalent I don’t carry cards unless I’m going to a bar or restaurant
Hopefully bars & restaurants will come up w/ a convenient way to use Apple Pay, too 👍 Do you have the Apple Card?
update, everyone takes apple pay now.
Hey Robi – yep, I find Apple Pay being accepted at a ton of places nowadays. Do you have the Apple Card? 💳
They have a sign up bonus because they don’t need to. Apple doesn’t need to offer people additional benefits because their name already has enough brand recognition where people will buy it for the flex.
Hey Patrick! Good point, Apple’s brand alone will drive plenty of Apple Card signups 😄 Do you have the card yourself?
Do not use citi for the coverage of your electronics , just pay apple care . Trust me going through citi bank is a huge brain killer. Just pay apple care to get that VIP customer support
Hi Isai – did you go through Citi yourself at one point & have a bad experience?
Apple Card. By Apple for Apple fanboys.
Haha do you have the Apple Card yourself? 😄
i plan on getting this card litteraly just to buy a new phone and maybe some airpods.. and maybe some watch bands and chargers on down the line.
Hey Mrtaco5445! Did you end up applying for the Apple Card? 💳
@Mark Reese // Credit & Finance nope
@Mrtaco5445 is there a specific reason why? Just asking cause I’m thinking of applying for this card for buying MacBook
I actually don’t like Citi much, but they do have the spend graph which is an excellent feature! Nice Dad jokes Graham! 😆
Hey Newbeginnings! Which bank do you like most?
REKT with Goldman 🥜 Sachs!
Very helpful. However I’m still trying to figure out the point of metal cards.
Haha there is no benefit of a metal card, rather, it’s just a marketing tactic 😄 Have you added any new cards to your wallet this year?
@Mark Reese // Credit & Finance I was being sarcastic. Apparently you didn’t realized chuckles.
@Island Traveler Ly 😂
Its a high priced finger hut……I prefer cards that I can use anywhere.
Hey Clarence! Which credit cards are you using most at the moment?
You’re damn right I got it for being metal. But it’s pretty nice tbh I like it 🤷🏽♂️
Hey Victor! Haha it’s definitely one of the best sounding metal credit cards out there 😄 Do you have any other cards, too?
How do you feel about the capital one secured card to start credit with
Hi Rosemarie – Did you already get the Capital One Platinum Secured credit card? 😃💳
I just got this card. I’ve had zero issues being able to use Apple Pay anywhere. Tested out the installment feature from the Apple store on a new iMac, love it. I use this card as my daily driver as I work on the road. I’ve accrued a couple hundred bucks in cash back already. But like most cards, you should only really get it if you’re going to pay your balance off in full every month.
Hey BSDOWNZ – awesome to hear that you’ve been having a great experience with the Apple Card! Do you use it along with any other cash back cards?
Apple card is unbelievably convenient for online shopping and setting up bill payments. I basically route 90% of my spending through my Apple card just because it is convenient. Impulsive shoppers beware lol.
Best part of the card is the security features.
Did you decide to apply for the Apple Card, too? 😃💳
Me watching this in 2022 where every single store has Apple Pay now💀
Hey Joseph – haha yep, I can use Apple Pay at a lot of places as well. Did you decide to apply for the Apple Card yourself? 😃💳
The apple credit card app is the best. No competition
Hey Robert – yep I like the app a lot, too! Do you use the Apple Card regularly?
Yup I won’t lie I got this card only because it’s metal 😅
Haha I bet you’re not alone ✌😄 Do you use the card regularly?
@Mark Reese // Credit & Finance nope
now when you spend money off the card .they want full payment ,when payment is due .so now i use it for 25.00 gas card.
Hi Angela – what do you mean they want full payment?
@Mark Reese // Credit & Finance I spent 300.00 less then 30 days they said pmt due 300.00 I paid 100.00 thinking they wouldn’t take out another pmt . But they did …. So I just paid the card off . & plan to never use it for anything other then gas .
@angela stewart – Bummer, sorry about the bad experience. Are there any other cards you use instead that you like?
Good stuff
This is a great card and I am no where close to millennial .Got more points on this than Amex
This didn’t age well cause literally everywhere besides Home Depot takes Apple Pay
Can you do *Afterpay* $ *Klarma* next
“…it appeals to millennials who would love to use it to buy avocado toast on the weekends.” 😂😂😂😂😂
You are fortunate enough that you can get all these cards..Good for you..but for someone like me with a really bad credit was denied from all major card companies..So Apple Card was the best thing for me..
Having 13 credit cards would hurt your average credit card history would it not?
The only place I’ve tried to shop so far that doesn’t take Apple Pay is Walmart. And Costco does take Apple Pay but since they don’t accept Mastercard using your Apple Card with Apple Pay there will be declined. But I’ve pretty much started to almost exclusively use my Apple Watch in stores instead of cards.
I only got this card for international travel as it has no foreign transaction fees and I was able to use it in Kosova 🇽🇰
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I think the daily cash feature just makes people more impatient.
Dave Ramsey thinks you’re a dufus
Speaking for myself, I got the card, and it was the no interest payments for Apple products, Apple Cash, AND the savings account at 4%. I’m wondering if Mr Graham has made an updated video on this?
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Y’all stressing out about a plastic card. I’m just here waiting for my dad to return from the store with the milk gallon.