Frankly, After 3 Months The Apple Credit Card Just Kind of Stinks Compared to Others – 24/7 Wall St.

Just as I'm focusing on Apple and making the best mobile phones and computers in the country, I'm totally aware that everything the company does isn't ideal. This may be particularly accurate with credit cards. Credit cards, although physically cool, may not be the most attractive card.

This is exactly what one Redditor is saying Post to R/PersonalFinanceindicating that they are disappointed with the Apple Card. After 3 months of use, they only rate four out of four stars out of the cards. This is a rather big black eye from this user regarding Apple's more interesting announcement.

To be fair, I've focused on Apple cards for a while, just because it seems like it's very easy to manage, but other than buying Apple products, I've suppressed it because it's difficult to justify other cashback cards.

Apple Card

Looking at Apple cards from this Redditor perspective, Apple Pay's 2% cashback is generally fairly limited. Considering that most cards offer flat 1.5% to 2% cashback on every purchase, Apple “forces” them to use Apple Pay, which has not yet been accepted anywhere, but in this Redditor's eyes it is a rather big disappointment.

Additionally, the Redditor expresses his disappointment that he needs to consistently manage 3% cashback at certain stores. You can do better with a 5% rotation category card, which is much easier to track. Additionally, the original posters are troubled by the fact that other cards offer cashback perks as soon as they become transactional posts.

Thankfully, two of Redditor's major complaints have been fixed since this post was published. This is because the cards can be integrated with budget applications such as YNAB, Monarch, and Copilot. This wasn't impossible with the launch of the card, so Redditor was naturally annoyed. This also took over to redditor's ability to pay only through the phone app or snail mail, another thing that has been fixed since it was posted on the online web portal.

There are no sign-up bonuses

One thing Redditor doesn't mention is that the comments jump so there's no sign-up bonus. Apple's lack of this is noteworthy as most cashback and travel cards offer attractive bonuses on their first 90 days of spending. It makes sense that Apple doesn't worry about the bonus about the “exclusiveness” of being an Apple Card Member, but I think users actually have cash.

Before a list of competitors and competitors comparables start weighing users, there isn't much that Apple can say about the card being titanium. My wallet has a limited room so I need to focus on the cards that offer the greatest advantages to my daily spending.

Better Benefits

As I have suggested above, I agree with the original poster that other cards offer better rewards. Yes, Apple cards have the unique feature of estimating interests based on the amount of payment you choose, but this is more like a gimmick than most people care about.

The comments in this Redditor and post reflect the idea that cashback bonuses are everywhere. One Redditor highlights all 2% cashback bonuses as faithful cards and only cards you need. There is praise for the privacy features of Apple cards, but it's not enough to just push the idea that all 2% cashback is better than 3% cashback.

The warning is that if you live in an area where Apple Pay is frequently used, it's best to use it without reaching for your wallet. What's even better is that it would be great if you didn't have to carry your wallet these days. Still, consider other options first until Apple releases credit cards with a flat cashback approach.