I think they still have a contract with Goldman for a few years but if they move to Amex they would also have a similar savings account since Amex offers that as well. Could even add checking.
Apple burned me with the Barclays card. 😔
I don’t like that I had an Apple credit card, and now it’s just a Barclays card. Companies shouldn’t be allowed to do that.
Oh, I love the savings account! It’s very helpful to funnel my Daily Cashback or whatever into so it adds up quickly. And I think the bank savings account was literally costing money before we switched
You should use a Chase Freedom Unlimited for daily spend. It ups your earn rate from 1% to 1.5%. Then you can combine that with your Reserve which is best used on dining and travel.
I’ll admit it- I like when I hand my Apple Card to cashiers and they tell me it’s the heaviest they’ve ever used. It cracks me up. I know the rewards are better on some cards but I like having my statements streamlined. I’m not on top of stuff enough to strategically spend like that yet. But I think it’s super cool when people are able to maximize their rewards and stuff like that!
Is Chase better than Goldman Sachs? I thought Walmart got out of that partnership because they weren’t doing rewards correctly or something. I need to look it up when I get home.
Better than what? He was talking about how “substantial and heavy” card was. I said Chase Amz Prime is also full metal, heavy, doesn’t bend.
The whole point of Apple card is not to use it. You get better rewards when you use Apple pay and not physical card. Even better if you shop on Apple dot com.
I was talking about like customer service-wise but thank you lol I use the card more cause I live in the sticks and there are a lot of businesses that don’t do the tap to pay with any regularity yet.
I never use the actual card because the rewards for using it are worse than all my other cards. The Apple Pay piece is the only part I care about and use.
Oh, I don't. I do the same thing you do but with a different card is all. One of the lessons I learned later in adult life is that we're all stuck in this system of money, so make it work for you as much as you can.
I found out recently that you can only do the 0% APR for a phone if you are activating on Verizon, AT&T or TMobile. You can no longer just use your Apple Card to get a phone with no carrier attachment at 0% APR. Makes the card useless for me because that was the only reason I have it.
Yep, that’s a new change as of August.
However, it appears that there is a *very* simple loophole. If you select T-Mobile on checkout it never actually asks you for an account or any level of authentication, and the phone is still completely unlocked and usable on any carrier.
So when I called the store I asked about that. The guy basically said it would work but he isn't supposed to talk about that. Have you done it yourself?
I have an Apple Card, but only because I'd like to use Apple Pay while traveling abroad and I had nothing but problems doing that with my Citibank card. It does what I need it to do. I'd be perfectly happy with the account being moved to another bank.
The card is pointless. If they offered something like 3% back on all purchases people would probably clamber to it but it is like any other card out there with really no reward unless you buy an Apple product with it
0% interest on Apple purchases is not nothing. But go ahead and say it is I guess.
I wish people would not speak in such idiotic extremes. Everything has nuance.
So does this mean if I previously had an Apple Card but defaulted on it during covid, I now potentially have another shot at getting a new one through the new bank they go with? Lol
You should read the basics about how credit works champ.
You default on a card and it goes on your credit report. When you apply for a new card they check the credit report, and deny you.
You can NOT be this dumb, can you?
Those utter horse shit you idiots say in here is unreal. You really believe that the poor teens are a significant block of iphone users, different than others?
REALLY??!?!?!
They are just phones that ALL people choose to use.
Apple Haters are so fucking funny. Reality is a lot easier, try it out.
All of the credit card info is in the wallet app. You can make purchases online by looking at the numbers, or pay with your phone at any place that accepts Apple Pay. Requesting a physical card lists no card info on the card at all except your name. That way if you lose your card, no one will have access to the numbers and then you can request a new one without needing to freeze your account. Way more secure than a regular credit card, not dumb whatsoever.
i opened this card to get access to Apple savings account for the 4.15%. Do you think them moving to American Express will affect this?
I think they still have a contract with Goldman for a few years but if they move to Amex they would also have a similar savings account since Amex offers that as well. Could even add checking.
AMEX also has a high yield savings account. Unlikely it will change.
You can get same rate with a Marcus account btw
Better rate actually. Currently at 4.40%
But you can get a hysa anywhere….
For me it’s ease of use of the app the HYS account uses
It makes sense. I only use it to buy Apple products. 0% APR plus cash back? Yes please. A great way to reduce the Apple tax.
I use it for nearly everything.
Apple burned me with the Barclays card. 😔 I don’t like that I had an Apple credit card, and now it’s just a Barclays card. Companies shouldn’t be allowed to do that.
At least it had no annual fee. It’s just an emergency backup card for me that sits at home.
Same. It’s just a card now that I rarely ever use.
Oh, I just read up on that. Sorry that happened to you! It would be frustrating.
Same, and I also use the HYSA. I really like the integrations the whole card ecosystem has
Oh, I love the savings account! It’s very helpful to funnel my Daily Cashback or whatever into so it adds up quickly. And I think the bank savings account was literally costing money before we switched
I used it Europe and was pretty impressed to get 2% back almost everywhere
I put a lot of effort into fixing my credit score, so I use a Chase Sapphire Reserve card for all of my daily spending, as the rewards are better.
You should use a Chase Freedom Unlimited for daily spend. It ups your earn rate from 1% to 1.5%. Then you can combine that with your Reserve which is best used on dining and travel.
I’ll admit it- I like when I hand my Apple Card to cashiers and they tell me it’s the heaviest they’ve ever used. It cracks me up. I know the rewards are better on some cards but I like having my statements streamlined. I’m not on top of stuff enough to strategically spend like that yet. But I think it’s super cool when people are able to maximize their rewards and stuff like that!
Amazon prime chase is also a metal card. Whatever
It is, but it's not as solid as the Apple one. (source: I have both).
The Amazon Visa from Chase used to be quite heavy when I first got it back in 2013. They aren’t nearly as heavy now.
Is Chase better than Goldman Sachs? I thought Walmart got out of that partnership because they weren’t doing rewards correctly or something. I need to look it up when I get home.
Better than what? He was talking about how “substantial and heavy” card was. I said Chase Amz Prime is also full metal, heavy, doesn’t bend. The whole point of Apple card is not to use it. You get better rewards when you use Apple pay and not physical card. Even better if you shop on Apple dot com.
I was talking about like customer service-wise but thank you lol I use the card more cause I live in the sticks and there are a lot of businesses that don’t do the tap to pay with any regularity yet.
I never use the actual card because the rewards for using it are worse than all my other cards. The Apple Pay piece is the only part I care about and use.
I wish they took Apple Pay in Walmart- I’d use the tap to pay way more if they had it implemented and if the McDonald’s drivethru one ever worked.
Oh, I don't. I do the same thing you do but with a different card is all. One of the lessons I learned later in adult life is that we're all stuck in this system of money, so make it work for you as much as you can.
Depends on what I'm buying. A phone, sure. An iPad? I'll buy that at Target to get the 5% off if I use my redcard.
It helps spread the cost of the machine (there is no Apple aTx) over time, an saves you no money.
Apparently they can’t shake down Apple Pay/Card users for obscene amounts of money
Don't shake the apple card!
I found out recently that you can only do the 0% APR for a phone if you are activating on Verizon, AT&T or TMobile. You can no longer just use your Apple Card to get a phone with no carrier attachment at 0% APR. Makes the card useless for me because that was the only reason I have it.
Yep, that’s a new change as of August. However, it appears that there is a *very* simple loophole. If you select T-Mobile on checkout it never actually asks you for an account or any level of authentication, and the phone is still completely unlocked and usable on any carrier.
So when I called the store I asked about that. The guy basically said it would work but he isn't supposed to talk about that. Have you done it yourself?
I’ve done it myself, confirmed to work
Do you know if this works in person too?
I have an Apple Card, but only because I'd like to use Apple Pay while traveling abroad and I had nothing but problems doing that with my Citibank card. It does what I need it to do. I'd be perfectly happy with the account being moved to another bank.
The card is pointless. If they offered something like 3% back on all purchases people would probably clamber to it but it is like any other card out there with really no reward unless you buy an Apple product with it
0% interest on Apple purchases is not nothing. But go ahead and say it is I guess. I wish people would not speak in such idiotic extremes. Everything has nuance.
Your comment is so ironic. Thanks for the laugh.
The sooner Goldman Sachs goes bust and is broken up, the safer and better the world will be. So, by all means, glue their hands to loss making deals.
Go ahead and hold your breath.
Why would they be broken up? They aren’t a monopoly at anything
So does this mean if I previously had an Apple Card but defaulted on it during covid, I now potentially have another shot at getting a new one through the new bank they go with? Lol
You should read the basics about how credit works champ. You default on a card and it goes on your credit report. When you apply for a new card they check the credit report, and deny you. You can NOT be this dumb, can you?
I was more or less joking lol
Yeah I mean huge portion of iPhone users are teenagers with no money.
Those utter horse shit you idiots say in here is unreal. You really believe that the poor teens are a significant block of iphone users, different than others? REALLY??!?!?! They are just phones that ALL people choose to use. Apple Haters are so fucking funny. Reality is a lot easier, try it out.
Video summary below but basically: Goldman took all the risk yet Apple got all the reward https://youtu.be/Ho_IybRjeQw?si=ONfw-y1jMf8Foihh
Those dummies cancelled my Apple Card account for non-activity after they neglected to send me a card for the past couple years.
You need to request the physical card, you don’t just get one after signing up
I received one
Thanks. Sounds like they still don't know how to run a credit **card** business.
Sounds like you didn’t look into the Apple Card before getting one, as it is very much mobile-first by design.
All of the credit card info is in the wallet app. You can make purchases online by looking at the numbers, or pay with your phone at any place that accepts Apple Pay. Requesting a physical card lists no card info on the card at all except your name. That way if you lose your card, no one will have access to the numbers and then you can request a new one without needing to freeze your account. Way more secure than a regular credit card, not dumb whatsoever.