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This was Apple's first foray into the credit card market, so it contained some promising elements. For starters, if you have an iPhone and want to apply for this card, you can do so in minutes via the Wallet app, and once approved, you can use your new card anywhere mobile wallet payments are accepted.
It has some positive qualities, but there are some damaged areas that you should also be aware of. The Titanium Card is the only way to use your Apple Credit Card account for purchases from retailers that don't support Apple Pay. Once authorized, you must request a physical card, which is not the case with most credit cards. An additional 1% cashback is only available on purchases made with a physical card.
Go shopping with Apple Pay.
Instantly send money to a loved one by texting those who also have Apple Pay. Consider putting it on your Apple credit card balance.
If you don't link your Apple Pay account, your daily rewards will accumulate and be added to your card balance.
We need to study the reward categories and estimate how much the average American family can spend in those areas to get an idea of the potential of Apple Card* rewards. The average income and expenses the Forbes Advisor uses are based on statistics from several government agencies. We budget based on the annual income of the 70th percentile household, which is $107,908.
In addition, we must draw some conclusions about consumer preferences and habits when considering Apple Cards. The card offers a cashback of 2% on Apple Pay transactions, which can be made with merchants in all spending categories. To arrive at our conclusions, we assume that this hypothetical family charges $32,072 a year to their credit card and that 50% of those purchases (or $16,036) are made with Apple Pay.
Card Value and Consequences
One of the best credit cards with a flat annual fee that Forbes Advisor recommends is Mastercard, State Goldman Active Cash®. With this card, you can earn unlimited cashback of 2% on purchases, plus a big cash bonus of $200 for spending $1,000 in the first three months.
Your earnings can be used to refund previous purchases, as a credit to a qualifying Wells Fargo account, for gift cards, or as cash from an ATM (requires a Wells Fargo ATM or debit card) (requires a Wells Fargo ATM or debit card). Like other credit cards, you can put it in your phone's digital wallet, and it doesn't have to be in the Apple ecosystem.
Apple Card* vs. Chase Freedom Flex℠
There is no obligation to remain an Apple customer to take advantage of the excellent Chase Freedom FlexSM Card rewards program. The card has no annual fee and offers bonus rewards of 5% cash back on rotating quarterly categories up to $1,500 (requires activation), 5% cashback on trips booked through Chase Ultimate Rewards®, 3% cash back on purchases at restaurants and drugstores, and 1% cash back on all other transactions.
If you want to buy an Apple product and your Chase card comes with quarterly bonus categories for places like Amazon, Target, and Walmart, you're better off using Flex. A great welcome bonus is available with Freedom Flex: $200 when you spend $500 within the first three months of opening your account. Freedom Flex is more lucrative for many consumers than Apple Card*.
Acquisitions that meet the criteria
Compared to American Express Blue Cash Preferred®, Apple Card*
This is an American Express Blue Cash, Favored® Card. (Terms apply) is a better option than Apple Pay, even if you don't mind using Apple Pay. If you spend most of your money at US grocery stores, gas stations, and public transportation, you may find a more suitable option (see rates and fees).
Is this the right card for you?
Apple Card* stands out with innovative features that encourage responsible spending, but other cards offer better benefits. Many different bonus cards have no annual fee and offer benefits such as introductory interest rates and sign-up rewards. To avoid this rotten apple, choose one of the alternatives.