Why You NEED An Apple Card Right Now! (2023, UPDATED)
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- เผยแพร่เมื่อ 3 พ.ค. 2023
- 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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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.)
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
So i vary it....i got mines back in December of 2021.... so year and half then i've had it. Discover can offer 5% cash back actually.
i use my apple watch for all payments comes in clutch. the 2% & 3% cash back are great especially now automatically going into savings account that apple offers. apple financing too for apple products on their site. Ive been able to get the mac mini, airpods and such by using the apple card and just doing the monthly installments
Try to use it alot and pay off the balance end of month fully. First time i applied I got rejected. waited a year and then applied again and got accepted with at first like $3,500. Now it's at $15,500 and they have automatically increased the limit.
But i use it alot. 2022 looking at the yearly summary was almost 40k in a bunch of different transactions.
But with your comment on discover. double check that tho. i have discover too. was my very first credit card back in 2017 as a college student. $750 limit to now $9,800.
But every 3 months they have offers for 5% cash back....so in those situations i use my discover card just for those specific merchants and then my apple card for everything else. so it's a balance.
This card is useless 01 percent credit back. well dayum.
@@thebootielover if you use the physical card yeah....very true
What is your credit score if I may ask. I'm curious how credit score impacts the limit
@@TheRelentlessKnight mine is over 700. I know that they take several factors to see whether they would approve the application at start. Such as looking at how much debt you have over your income mine has always be fairly low at 10% it’s now went up to 12% as I have a new card now that I had to get to balance transfer from another card to pay that down. They started me with $2,500 and my score was 766 (through Transunion) when I applied initially. So it’s mostly due to what debts you have, how much they are and how much you pay towards them as well for your income is what’s used for the issuer to set the credit limit that they are comfortable giving you.
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
That's precisely why I decided to go for it. I'm less interested in the rewards, since I'm in 3 different ecosystems, so I'm not guaranteed to purchase apple hardware or subs at a steady rate. But, that high yield savings is a big draw for me
@@txwolf9904 4% "hi yield" with 50% inflation
There's literally no reason to get the apple card. You can get a high-yield savings account through so many other avenues... My SoFi bank account gives 4.60% APY which is more than Apple and doesnt require you to get a credit card with very lousy rewards.
@@garretharp3420 oh really? the djoos are giving you "high-yield"? with 130% inflation? 😃
Marcus is goated
Greg, I really really gotta thank you for this video man. You went into SO much useful detail. Absolute BEST and most informative video on this card yet. And I’ve seen them all. I really appreciated you informing us about how the card has IMPROVED over time. When this card 1st came out I fought the urge to get it because it didn’t offer many benefits and had some limitations I couldn’t justify. I was gonna wait until WWDC in a few weeks to get this card with the plan of putting whatever new iPad Pro they announce and as well as the iPhone 15 Pro Alpha Omega Ultra Supreme (Flossy Carter Voice) or whatever the decide to call it this year lol and an Apple Watch Ultra and finance them with the 0% apr over 12 months because they give you the 3% Cash back up front. Win Win, like you said one could even look at the 3% as a discount on the total price of said items since you get it same/next day. All in all great video man. Consider doing this level of in depth Update content to ANYTHING you own in the tech space that you fell has gotten better over time. 🙏🏽
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!
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
Got mine a few months ago, i was skeptical about it but its been pretty good
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.
Thank you Greg! Just opened the savings account while watching your video!
Thanks for the info about the savings account I immediately opened one!😁
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.
You've explained the Apple Card very well in this video. Thank you very much!
I'm enjoying this card and the benefits that you highlighted in this video. Thanks 👍🏾
My credit score: 🤡
Yooooo 😂
That’s how I feel
Apple has no way to even get the Apple Card with low credit.
😂😂
@@soul1273why should they?
I haven't seen your videos lately, and you sure got buffed up! 💪🏻
Oh wow thank you! I've been hitting the gym for like a year sometimes I feel like I don't see any results but then I'll see a comment like this and it makes my day.
I’ve been using it daily for a little over a year and I love it I just love the simplicity and transparency I’m sure there are better credit cards but I will keep using this one because it’s so easy
Thanks 🙏 Lots of great info here.
💪🏾The best card, my opinion, out there. I agree that eventually I hope they add the larger “cash back” to using the card directly instead of Apple Pay as some locations🙄don’t utilize it.
Greta video great detail loved how you showed all the slodes
Thank you! I check back every year!
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.
Same here! Customer Service is amazing!
This was a greatttttt very informative video and I have the card and didn’t know I was getting so much cash back
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.
This was awesome! Thanks for sharing
The Apple Card security protection is very good. I had the same experience that you did. My number was somehow compromised and I had fraudulent charges and it was fixed as soon as I contacted them through iMessage. However, I recently had a similar issue with my Amex Card and yes, they had to mail me a new card (got it the next day) but they were able to update the number in Apple Pay without my doing anything and I could continue to use the Amex card in Apple Pay immediately. I didn't have to wait for the new card to add it to the wallet. Just thought it was worth noting
Greg out here being a financial advisor!!!!!
I have really enjoyed it the past year. WIll eventually get a new device with the card.
I just got mine today :) can’t wait to use it!
I'm in the road to Apple Card program right now and I get the card in July. Cannot wait cause I could finally get the macbook pro I wanted for my job and outside of work. I absolutely am a Apply fanboy.
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
Had mine about 3 years and love it, best CC out there IMHO... of course I signed up and moves funds into the savings account day one!
Also you can request a new card no and change cvv any time for any no of times, that is the best prt of apple card
I just applied last night and got approved!!! Should be here next week, but def ready for Apple Pay!!!😃
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.
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.
Is the Apple card worth getting?
@@lilrich827 Absolutely!
Great video! Thanks!
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.
That does happen often but not always. Apple leaves it up to the issuer to decide whether they will automaticaly update their cards in wallet upon replacement of the physical card. Many banks do, but there are still some that don’t, so if you have to order a replacement card check with your issuer what the policy is for Apple Pay.
I got one and it’s not a bad card I feel that the rewards for App Store purchases should be there I buy lots of digital content and find it’s heavily lacking compared to Google Playstore where you get points and can redeem for cash and this is without a credit card. If they add something better to be integrated it would be much better. I got an iPad and AirPods 3rd gen through financing and I can say that’s it’s a lifesaver for those who are students and need to budget but can get the latest tech
Hudson County NJ resident here, cool to hear my original hometown of Jersey City get a shout out. Just signed up for Apple Card a few weeks ago thanks to a previous video you did that convinced me. Also signed up for the savings account. Easily the best banking decision I've made over the past decade. Feels great to see the Daily Cash put right into my savings.
Hudson county is the best place on earth ✌️
@@GregsGadgets proximity to NYC and the Jersey beaches, can't beat it!
This seems like a great card. Does Samsung have a card amd features like this? Great video
Opened Apple Card account, and savings account option. Moved all my savings from a low yield bank savings account to Apple Savings. We will see how it goes.
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?
Excellent presentation!
What credit bureau do they check check when you apply?
Apple just added 5% cash back until 9/20 for travel purchases! Honestly this card is now my preferred card these days.
I would be using this card more often if they offered 2% on physical card
3% on Apple Pay and 4% on partnered merchants
Where do you think you got skimmed? The only place I've not been able to easily use apple pay has been paying a bar tab or restaurant tab.
❤ the Apple Card. Since opening it a few years ago I only use it and my Amex. Thanks to this video I just opened the savings account as well it’s a much better way to use the Daily Cash back. great video
Hi, I know accuracy is important but can u pls just round the numbers when talking about high numbers to keep it simple? Tysm I love ur videos. ❤
Random question:
Is there an “e-ink” calendar that can sync to my calendar? I’m looking for a large wall mounted calendar for a kitchen with a display that syncs to my calendar and isn’t expensive af
Just signed up and got that nice instant approval. Card is on the way. This may be my new daily credit card.
I want to know if I transfer $ from my account onto Apple Cash, and use it internationally … can I avoid a foreign exchange fee that most all debt/credit cards charge?
Do you only get interest on money going in or do you get interest too on money just sitting on account?
Thanks for the helpful video. Do you know if this 4.15% applies only to the cash back money you ear on the Apple card or to any amount you transfer from other checking account for example?
To any amount you also transfer from any other bank institution.
For sure, having to cancel a credit or even debit cards is always such a pain. It’s not convenient to get your Apple Card skimmed, but it’s much much more so than having to do it with any other card.
It is is my favorite product right now. The best tool to monitor finances
I LITTERALLY just got the apple card today (less than 2 hours ago) looking forward to this cars being my main card
I love this card, but would be even happier if they increases the physical card cash back to at least 1.5%.
The apple card is my only credit Card I use because of the ease of use but also the Ease of approving Transactions, as well I love the Apple card
Lovin the IPod mini my favorite iPod ever made.
have had card for months and forgot meant to set up the savings didn’t realize setting up was so easy
I had to specifically request the physical card, it didn’t come automatically after signing up.
Great video 😊
I get 4.30% with PayPal, but this is pretty good for a high yield too. Might apply for this when I get the 15 pro max
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.
Great video. Should probably mention that the APR on the savings account will change as the Federal Reserve changes the cost of money. No way that 4.15% lasts 10-30 years…probably not even the next two years…
What’s their catch? I’ve just created a savings account, but I’m going to learn more details before I transfer a lot of money there.
Any clues when Apple Card is coming to the UK?
Are you gonna be able to make monthly payments?
I have had my Apple card since March 2020 and let me tell you, Its my everyday card. I treat it like my debt card and pay it off at the end of the month. I never spent what i don't have. The 2% cash back is amazing!! Next day!! And i do love Flexing the Apple Card at restaurants hahah. Another thing i love about the Apple Card is their customer service over 'TEXTING' is so simple and fast. Best card i have ever had period!
The Apple Card is not a flex card 😂 don’t be a clown. Chase sapphire reserved or Amex gold are better dining cards
@@runforrestrun2428 uh hes speaking of the card itself. Titanium vs plastic
4:35 got me😂
So say I have T-Mobile for cellular. I put in this cards numbers… since it’s not Apple Pay do you still get the 3% cash back?
I would love to get this card but it doesn’t seem to be available here in Canada. Hopefully soon.
I used to love this for Uber eats but ever since I got the Savor I prefer that, 10% back on Uber eats
When will this be available outside the US?
Do You need a credit score for it to qualify? Is there an Apple debit card ? Can children have it too ? Monthly fee like bank here ?
I was using Discover Savings as my primary as it was higher than most and easy to use. Added the Apple/Goldman Savings and it’s been awesome. Unfortunately not everyone recognizes their routing number yet for direct deposit.
Also I use the Apple card only for Apple Pay and T Mobile billing as the rewards aren’t great. I use Citi’s Costco card a lot for its gas and restaurant benefits and Costco purchases. I also like Wells 2% anywhere card and Southwest’s CC because of travel. The Apple Card is currently 4th in the tier list for me.
This happened to me, too. My bank was able to transfer to Goldman Savings through my phone, but not the other way around. After a lengthy wait on hold, because many are having the issue, they told me the work around was Apple Cash. Send from Goldman Savings to Apple Cash, Apple Cash to your bank.
@@ScottimusPrime my issue is my employer’s payroll system doesn’t recognize it yet. Still too new. Hopefully it gets added in by next pay period.
I really want to get one just because of how easy and seamless it seems to manage vs. other cards, but they _still_ haven’t released it in Canada yet
Or anywhere outside the USA.
Why would you ever not pay your card in full?
Would be perfect regular card if only they make at least one category 5%! Or even rotate it. I made this my main card back in 2021 before realizing I was missing out. Now it’s Venture X that’s my main card.
What is the interest rate? Can I purchase anything with it?
Can the routing numbers provided by the Apple savings account be used for paying card balances from other banks? Thanks in advance.
u can’t unfortunately, but u can pay your apple card bill with that money or transfer it to another bank like apple cash or a primary debit card
Don’t know if anyone else has had this problem but I have had this card for three years now and it’s been okay overall but the biggest problem I have had is that it denies large purchases. Like other cards it will send you a thing in the app to verify this was in fact me and I verify but it then still denies the purchase and the customer service then tells me I have to go make the purchase again. This is frustrating as say capital one will then process the payment once it is verified. This wouldn’t have bothered me as much if it hadn’t denied 2 iPhone purchases.
I’m an Apple fan to the max. I love everything Apple!!!
The Apr for this card is from 13-24% how is that a good thing to recommend? This review did not even mention that…. Most banks in uk have interest rates lower than that .
Amazon card and Apple Card are my main 2 cards for every day use!!
I’ve had the Apple CC for 9+ months. When I go into the wallet app to setup the Savings account I still don’t have an option…any way to get it??
Hi. ❤Any thoughts if AppleCard will be available in Poland 🇵🇱???
**HELP**
2:47 how do you know how much your minimum payment is ?
If I owe 2,000 and I stop using the card
How do I know how much I have to pay each month, so I don’t get bad credit
The fiscal card and the digital card use different numbers. Also with the fiscal card you can change the number it’s uses if there’s some kind of problem and keep using the same card.
The whole system is just awesome. They should also be raising the interest rate on the savings account soon because so many people signed up for it. PayPals savings account just went to 4.30%. I don’t use that though so I don’t know anything else about it.
I just got it. I love it so far.
What wallpaper is that u have on ur phone?
the thing about fraud protection is every credit is federally required to have fraud protection as you can’t be held liable for transactions made with your stolen CC number
It’s a great card until it starts randomly declining charges. Or declining charges after you have gone through the steps to ok the charge.
It does not help your credit rating to have purchases randomly declined.
This has happened to us several times with the security features turned on or turned off. Support was unable to help us or explain why. Some of the purchases were recurring, previously approved charges.
It’s mind boggling.
Any1 know if you wanted to withdraw cash out, if there is an option with apple without paying a 3rd party ATM paying those fees..?
I just use my Apple Card exclusively for everything….because of that beautiful software! Instant notifications is nothing to scoff at!
Something to keep in mind is that 4.15% is a 1 year rate. It will adjust annually and will likely go down.
I’m a frequent traveler unfortunately I can’t use it in airport lounges
I’d like to see Apple move towards a checking acc. Kinda like SoFi with the checking, saving, and credit