this post was submitted on 28 Nov 2023
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Get a Citi Doublecash. One of the best cards around. No fees. Keep that thing open for life.
To be honest at this moment I’m done opening credit cards because I have all I need, but if anything happens where Apple doesn’t continue with the Apple Card then I may be forced to. It’ll be a big hit to my credit.
What even happens if they stop supporting the Apple card? Like would it really negatively affect our credit even if it's completely out of our control? Haven't dealt with a scenario where a card is discontinued before and how that affects users
Most likely, it’ll be a closed account which will drop your amount of open accounts and your amount of available credit.
I just closed my Citi DoubleCash. It declines SO MUCH and foreign transaction fees are a pain. It also has basically no perks.
Just swapped it for a Capital One Venture X. Card has a $395 annual fee, but gives $400 in annual cash benefits spendable on travel ($100 can be used on any travel, $300 can be used on their portal, which is perfectly fine for booking flights).
Benefit is the app/ecosystem is a lot nicer and it's never declined a transaction. They also started me out with over 3x the credit limit as Citi did.
It also has return protection, extended warranty, etc.
Dang, sorry to hear the problems with it. I don't travel a whole lot, so the travel cards don't do much for me, as great as they look.
Thanks for the info!