Apple Card

When I started this blog I never thought I would be writing about an Apple credit card. But, here we are. I have been using the newly-released Apple Card over the last week and a half all without using a physical card.

If you need an explainer of what the Apple Card is, check out this article here.

With that being said, I love the software part of this “card”. I haven’t even activated the physical titanium card yet. I have solely been using my phone via Apple Pay when using the Apple Card.

The layout within the Wallet app on the iPhone is very cool. It breaks down where you have been spending money and also changes the color of the virtual card based on your spending habits. To no one’s surprise, my entire card is an orangish color because it is all mainly food…anyways…when you pay off the card it will go back to its crisp white color within your Wallet app.

Apple’s goal with the Apple Card is to make the user more aware of how credit cards work. Now, during the introduction, Apple said there would be no fees associated with the card, which is great. But that doesn’t mean you are free from interest rates. Depending on your credit, Apple will attach an appropriate interest rate to your card.

The reason everyone should be okay with using this card is because of the privacy that this card offers. I can take pictures all day and no one would know my card number. Only the user of the card can access the card number within their Wallet app on their iPhone. Even then, if you want a new card number, you can simply request a new one. As a reminder, when you use Apple Pay, your cards are protected even if the merchant has been compromised. I can confidently say that the Apple Card is the most secure credit card you can find.

Now, some disclaimers:

  • Do you have credit card debt? If so, do not apply for this card.
  • Do you keep a balance on your credit cards and pay interest? If so, do not apply for this card.
  • Are you an impulse shopper? If so, do not apply for this card. Especially for how easy it is to have a new credit line at your fingertips in minutes.
  • Do you already have a credit card that gives you points or cash back? Compare the points and see how you can manipulate each card for the most cash back and see if it is worth it to you.
  • Do you pay your balance on your credit card every month and love Apple? Do it! You will get 3% back on all Apple purchases through Apple. This also includes apps and your Apple Music subscription.

Bottom Line

Alright folks, this is a credit card. Nothing more. Of course I love Apple and knew I was applying for this as soon as Apple announced it. This is not my primary card but I will only be using it for my Apple and Apple Pay purchases to maximize my cash back. I have another credit card that gives me similar or better cash back depending on the type of purchase.

Just be responsible. One day I will publish my draft talking bout debts and credit cards that has been sitting there since May. Until then, be smart about your credit and debts. To put it simply, if you can’t afford it, don’t buy.

Are you applying for the Apple Card? Let me know on twitter and Instagram!