Let’s take a look at five things that could help you determine if the Apple Card is worth it for you. You must use the wallet app on your iPhone or iPad to access the card and its payment, statement and redemption components. Perhaps the biggest hurdle to applying for this credit card is that you have to have an Apple ID to do it.įor Android loyalists, this probably brings you to a full stop on applying for this card.Īpple will send you a physical credit card to use where Apple Pay is not accepted, but the goal of this card clearly is to get you comfortable with using an Apple device to buy and manage your purchases. It also offers 3% cash back at select partner stores and websites. The hook for this card is that you’ll earn 3% cash back on purchases made directly through Apple, which theoretically could yield a nice return on their premium-priced phones, computers and more. The branded card is promoted as a way to connect your day-to-day purchases seamlessly with your iPhone or iPad. The Apple Card is a no-annual-fee cash back credit card that is issued by Goldman Sachs bank. Apple Store or (This includes the App Store and Apple services.)Ģ% cash back rewards can be earned on any purchase made with Apple Pay.ġ% cash back rewards can be earned on non-Apple Pay purchases everywhere else.And we’ve determined that this one is a viable choice - thanks to its bonus cash back categories and lack of an annual fee.Īs you’re evaluating whether this card fits your needs, please use this review in conjunction with Clark Howard’s 7 Rules for Using Credit Cards.ģ% cash back rewards can be earned on Apple Pay purchases made directly through these brands on their websites/apps or at their stores: We’ve compared the Apple Card to the best cards in this segment of the market. Team Clark has spent time evaluating the credit card market in several categories including the best cash back credit cards. We’ll give you five things to know about the Apple Card and help you determine if it is a better fit for your wallet than cards like the Citi® Double Cash Card – 18 month BT offer or PayPal Cashback Mastercard®. In this article, we’ll help you decide if those perks are enough for you to choose this card over a cash back card that offers unlimited everyday rewards on all purchases. The physical Apple Card is titanium (not plastic) and does not have credit card numbers printed on it. Though you’ll likely only get 1% back on purchases made with the physical Apple Card, you will do it in style. You’ll also get instant notifications for your transactions and cash back earnings via your Apple Wallet app. Certain retailers also offer bonus cash back for using the Apple Card via Apple Pay. If the Apple Pay function is your go-to choice at the register, you can get 2% back on every purchase you make with the card. You use Apple Pay to make most of your purchases.It also offers interest-free financing options for select Apple products. The card offers 3% cash back on products you buy directly through Apple. Having this card could really pay off if you’re buying iPhones, iPads and Mac products with regularity. You make a significant amount of Apple product purchases.You might be wondering if the Apple Card is worth adding to your wallet. With the Blue Cash Preferred Card from American Express, you’ll have exclusive access to ticket presales and events, car rental loss and damage insurance, fraud protection and more.Are you the type of person who is first in line for the latest and greatest Apple product? You can also freeze your account if your card is lost or stolen. Benefits: Apple Card benefits include fraud protection, purchase tracking and spending summaries. earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months with the Blue Cash Preferred Card from American Express. Welcome offer: The Apple Card doesn't have a welcome offer. Cash back with the Blue Cash Preferred Card from American Express is received in the form of Reward Dollars that can be redeemed as a statement credit. gas stations and on transit (including parking, taxis, ride-hailing services and buses) and 1% back on other purchases. supermarkets on up to $6,000 in purchases per year (then 1%), 6% back on select U.S. Blue Cash Preferred Card from American Express cardholders earn 6% cash back at U.S. Rewards: Earn 3% cash back with the Apple Card on Apple purchases and Apple Pay purchases made at select businesses, 2% back on all other Apple Pay purchases and 1% back when you use your physical Apple card. The Blue Cash Preferred Card from American Express has a $0 intro annual fee for the first year, then $95. Apple CardĪnnual fee: The Apple Card charges no annual fee. Blue Cash Preferred Card from American Express vs.
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