CNET reviews Apple Card: Most useful for users who love Apple Pay

To help customers make informed choices, Apple Card shows a range of payment options and calculates the interest cost on different payment amounts in real time.
To help customers make informed choices, Apple Card shows a range of payment options and calculates the interest cost on different payment amounts in real time.

Apple Card completely rethinks everything about the credit card. It represents all the things Apple stands for. Like simplicity, transparency, and privacy. It builds on the incredible ease and security that millions of people love about Apple Pay. And it’s the first card that actually encourages you to pay less interest.

Eli Blumenthal for CNET:

Is the Apple Card worth it? That’s the question nearly everyone asks me after I pull out the sleek titanium card. As far as appearances go, it’s hard to find a better-looking credit card. Minimalist and premium-looking, the Apple Card follows the path set by the iPhone or MacBook Air. If you’re the kind of Apple user who wants to flex by pulling out a sweet card, it doesn’t get much sweeter than this.

If you like using Apple Pay on your iPhone or Apple Watch, the Apple Card is worth considering. With 2% daily cash back on any purchases made through the tap-to-pay mobile payment system, it’s one of the more generous cash-back cards on the market. Frequent Uber riders will also appreciate the 3% cash back it offers if you use Apple Pay and the Apple Card in the app.

The 3% discount on Apple gear from the Apple Store, as well as Apple services and subscriptions, should be used carefully. If you subscribe to Apple Music or iCloud, or buy a lot of stuff on iTunes or the App Store, it’s a no-brainer choice. For third-party subscription services, however, like HBO via the Apple TV app for example, other cards offer better cash-back arrangements. The physical card, while slick-looking, only provides 1% cash back. Since it also lacks the perks you’d get with many other cards, such as extended warranties, it makes less sense for daily use.

MacDailyNews Take: As Apple adds more perks, as they did at launch with 3% Daily Cash for Uber and Uber Eats purchases, the Appel Card will get even more attractive to use.

As all-Apple users, of course, we love our Apple Cards and look forward to more rewards being added regularly.

Apple Card will be a smashing success! — MacDailyNews, April 29, 2019


  1. Apple Card, which I have in my wallet, offers far less benefits than most other major cards. To use Apple Card is to take a huge step backwards with regards to cash back rewards as well as other perks, which are all missing from Apple Card.

    1. I love it when folks make claims about how bad daily cash back is on the Apple Card compared to their XYZ Card. None of them ever divulge the exact card or the rewards program that is supposedly so much better. Nor do they ever detail the terms of this magical, mythical rewards program.

      That’s the smell of troll for you…

      1. Well, Citi and Fidelity both offer cards that give 2% back on all purchases, with no cap or annual fee. You have to wait a month or so to get the cash back, but it can be direct-deposited or credited against your balance.

        I’d rather have 2% back on everything with a 1-month payout lag than 1% back on non-Apple Pay purchases (which currently includes all sit-down restaurants in the US, if my experience is representative), even if the Apple Card would give cash back same-day.

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