this post was submitted on 28 Nov 2023
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Other than paying off my large Mac purchases over time, I've found very little use for this card in the wild.
Bank of America select cash back does 3% on all online purchases, including apple.
Chase freedom does 1.5% on everything. (which is a negligible difference from the 2% Apple Pay perk)
The combination really puts apple only perk as 0% APR.
I'm sure someone will vehemently tell me how wrong I am but, this is basically an in store credit card good for deferring payments only.
There are tons of flat 2% cards these days. Nerdwallet has some nice write ups. Apple card was always about convenience for iPhones, and 2% flat wasn’t as common when it launched