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

@_aisolo

Жыл бұрын

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.

@thebootielover

Жыл бұрын

This card is useless 01 percent credit back. well dayum.

@_aisolo

Жыл бұрын

@@thebootielover if you use the physical card yeah....very true

@TheRelentlessKnight

Жыл бұрын

What is your credit score if I may ask. I'm curious how credit score impacts the limit

@jonathanellison7066

Жыл бұрын

@@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

@txwolf9904

Жыл бұрын

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

@mt_gox

8 ай бұрын

@@txwolf9904 4% "hi yield" with 50% inflation

@garretharp3420

8 ай бұрын

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.

@mt_gox

8 ай бұрын

@@garretharp3420 oh really? the djoos are giving you "high-yield"? with 130% inflation? 😃

@odawgbrazy14

7 ай бұрын

Marcus is goated

My credit score: 🤡

@chidorirasenganz

Жыл бұрын

Yooooo 😂

@D4NNYF00

Жыл бұрын

That’s how I feel

@soul1273

Жыл бұрын

Apple has no way to even get the Apple Card with low credit.

@Thehandler85

Жыл бұрын

😂😂

@user-oj8ss4zq3x

Жыл бұрын

@@soul1273why should they?

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 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.

@aba792000

Жыл бұрын

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.

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

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!

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.

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.

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.

@lilrich827

4 ай бұрын

Is the Apple card worth getting?

@jamesthompson3099

4 ай бұрын

@@lilrich827 Absolutely!

Why would you ever not pay your card in full?

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

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

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

Got mine a few months ago, i was skeptical about it but its been pretty good

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.

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

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.

4:35 got me😂

Don’t trash on Florida . Lived here and never had that happen

@FromTh1sDayForward

Жыл бұрын

I know, like this couldn’t and doesn’t happen everywhere. Dude’s a moron.

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. 🙏🏽

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

I haven't seen your videos lately, and you sure got buffed up! 💪🏻

@GregsGadgets

Жыл бұрын

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.

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.

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!

@runforrestrun2428

Жыл бұрын

The Apple Card is not a flex card 😂 don’t be a clown. Chase sapphire reserved or Amex gold are better dining cards

@slickbill9488

Жыл бұрын

@@runforrestrun2428 uh hes speaking of the card itself. Titanium vs plastic

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?

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

What credit bureau do they check check when you apply?

Thanks for the info about the savings account I immediately opened 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

4:28 that shit is so fine ngl 😂😂 jus simple and clean i want one but mfs playing wit me

I had to specifically request the physical card, it didn’t come automatically after signing up.

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.

Can the routing numbers provided by the Apple savings account be used for paying card balances from other banks? Thanks in advance.

@sirbxnny

Жыл бұрын

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

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.

They got a high APR though

Apple Card dose need extended warranty, car rental insurance, lost replacement still missing them perks.

@GregsGadgets

Жыл бұрын

You're right about that. At least give us iPhone insurance 😂

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.

Amazon card and Apple Card are my main 2 cards for every day use!!

Just signed up and got that nice instant approval. Card is on the way. This may be my new daily credit card.

You've explained the Apple Card very well in this video. Thank you very much!

25K limit is insane, dudes credit must be 800 😂

The biggest struggle with Apple Pay isn't that small business like youd think - its not being accepted at Lowes, Home Depot, and WalMart.

@osbeldeluna8120

Жыл бұрын

i live in texas and i would LOVE to be able to use apple pay at HEB

@nekopop8159

Жыл бұрын

It’s because those card scanning machines can be expensive for those companies to get and put it widespread. Over time they should slowly but steadily install them.

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

If you share cards with family member over 18 with 0 credit will they build credit using it?

@slickbill9488

Жыл бұрын

yes, if you add them to your card. I did it for my son and now he has great credit

💪🏾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.

I’d like to see Apple move towards a checking acc. Kinda like SoFi with the checking, saving, and credit

I'd have it if it were available in Canada. "em hem Apple"

I have an 800+ credit score and Apple just denied my credit card application lol

You forgot to mention that the IRS wants a piece of everything we earn it’s not free money. It will get taxed 🎉😢😮

Be careful though the apr on these is 28%

Can’t get one 😢😢

The compound interest is why the account is limited to a quarter of a million dollars. I think having more than 20 grand in the account vs investments would be a bit much; at 20K you will get enough income (while the 4.15% lasts) to replace some apple gadgets every 1-2 years and behave as a nice emergency fund.

@RoninYoutube

Жыл бұрын

Pretty much what i’m doing with the savings account now. Smart play

have had card for months and forgot meant to set up the savings didn’t realize setting up was so easy

wish it came to the UK

Now if apple makes a checking account/debit card I'll be set for life

@joekerr3638

Жыл бұрын

Just need checking, direct deposit, and a brokerage account.

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

What do you mean there’s no late fee? What happens if you don’t make your payment on time?

@rush9800

Жыл бұрын

The first time you don’t make a payment you won’t get charged an extra amount for being late literally what it sounds like

Need that thing here in Dubai. I can safely say that 99% of the shops, malls, gas stations, hospitals, etc accept apple pay (even the most ghetto local 12 sqft grocery store accepts it). Its a crime not to have access to the apple card here.

The daily pay with savings means you earn money. It’s the reason why I got the card.

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.

@GregsGadgets

Жыл бұрын

Hudson county is the best place on earth ✌️

@infinite_vortex

Жыл бұрын

@@GregsGadgets proximity to NYC and the Jersey beaches, can't beat it!

Somehow, this is still not in Canada

My other cards that do 3-2-1% cash back are so much better. I almost never use my Apple card unless it's for Apple products or anything that falls in their 3% cash back options.

The bonus to the savings is that they also don’t charge anything for pulling money out. So after a period of time and you decide in 20 years that you want the money, you can pull it out and not be charged an “early withdraw” or something of that sort so you really don’t have to wait until retirement to get your investment back. 8:59

Thank you Greg! Just opened the savings account while watching your video!

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

@davidlazarus67

Жыл бұрын

Or anywhere outside the USA.

how does your digital cards get skimmed?

@BooleanDev

Жыл бұрын

probably wasnt using an rfid blocking wallet, only way i can think of to have all the cards skimmed

PayPal Credit Card 3% cash back on all purchases and the reward is upfront just like Apple. However I do prefer using my Apple Card when purchasing with phone. And the high yield savings is excellent. Nice vid!

@slickbill9488

Жыл бұрын

False, Its 2% using the physical card and 3% using it with paypal.

@roosty04

Жыл бұрын

@Slick Bill yes you sir are correct. In order to receive 2-3% cash back from Apple, you have to pay using your phone. PayPal is 2-3%

@ryanw8664

Жыл бұрын

Interesting. In your experience, do most tap-to-pay terminals have PalPal credit as an option along with Apple Pay? Or are you finding it only available with select online purchases?

@roosty04

Жыл бұрын

@@ryanw8664 it’s weird. Google pay accepts PayPal credit card as a payment option for tap to pay using Google pay. However right now Apple wallet won’t accept PayPal credit cards. So the most of the time I’m using the physical card unless I’m purchasing online or using Google pay which honestly I’d rather use Apple Pay.

@ryanw8664

Жыл бұрын

@@roosty04 Thanks for the info, and may The Force be with you.

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.

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.

And apple users still think it is better to be forced to buy an iphone to get features, but downloading a free app is just too much work.

😢 I got turned down . Because I’m on social security even though I had money in bank and a great credit score.

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. ❤

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.

@ScottimusPrime

Жыл бұрын

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.

@sgallegos702

Жыл бұрын

@@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.

Thanks 🙏 Lots of great info here.

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'm enjoying this card and the benefits that you highlighted in this video. Thanks 👍🏾

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

I’m a frequent traveler unfortunately I can’t use it in airport lounges

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.

wish I could use an Apple card, but only in the UK we don't get the choice Greg

I just applied last night and got approved!!! Should be here next week, but def ready for Apple Pay!!!😃

This seems like a great card. Does Samsung have a card amd features like this? Great video

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!

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 wallpaper is that u have on ur phone?

Does that 3% cash back include in-app purchases and subscriptions?

@KingTechHD

Жыл бұрын

It does!

I have really enjoyed it the past year. WIll eventually get a new device with the card.

I got rid of my saving account and transferred it to this Apple saving.

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?

@josealema

Жыл бұрын

To any amount you also transfer from any other bank institution.

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?

Something to keep in mind is that 4.15% is a 1 year rate. It will adjust annually and will likely go down.

@jenniferakudihor3191

Ай бұрын

Bruh does an Apple card have unlimited money?😕😕

@Philly2tall

Ай бұрын

@@jenniferakudihor3191 no, there will likely be a limit. Annual interest rates are usually based on fed rates. These rates stand about a 70% change of being lowered which will have a direct effect on the apr.

They been offering me a card every other day . So Apple Pay is for the Apple Store ? I’m lost

Same here! Customer Service is amazing!

how was the card skimmed? do you use an rfid blocking wallet?

@relaxationsounds6981

Жыл бұрын

Everyone should be using RFID wallets now days?

@BooleanDev

Жыл бұрын

@@relaxationsounds6981 I would hope so

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 ?

Just a heads up, from personal experience. Amex will load a new card into your Apple wallet just like Apple does if your card gets stolen.

Do you only get interest on money going in or do you get interest too on money just sitting on account?

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 .