Apple cards are credit cards that come from a company known for high-quality products. It's free, integrates easily with Apple Pay, and has some unique features that make it an excellent choice for iPhone users.
The Apple Card Advantage
This card is unique in that it charges no fees. It offers cashback rewards every day and easy-to-follow color-coded categories to show you where your money went.
Apple also places emphasis on education. So you can make informed decisions about which credit cards are best for you, and you have the knowledge to do so before you apply. You can also keep track of your credit card interest fees and payments to see how much it costs to maintain a card balance.
It can give you an idea of how long it would take to pay down your balance and how many interest you will owe over the course of time. This can help decide if you are saving any money or if paying down debt faster is better.
You can also get real-time text support from Apple for any questions or concerns you might have about your account. This is an option that not many issuers offer. It can help if your card is having issues.
Its App for Apple Pay can be used to manage your cards. It synchronizes your transactions and allows you to review your balance, pay your bill and find the location of any missing payments.
Apple's machine learning algorithm is another great feature that will help you understand how your money is spent. It will analyze your spending habits and present a list containing improvement suggestions.
This feature is great and could help you save money as well as prevent you from spending too much. It allows you to easily identify spending patterns and make better financial decisions for the future.
Apple Card is open to consumers with good to moderate credit (FICO score of 600+). Check your credit report before you try again to apply for an Apple Credit Card. This can be done by obtaining a free credit report through a third-party provider.
There are plenty of other options available that offer the same or better benefits. Citi Premier and Amex Gold cards provide transferable points that can then be used for airline tickets or hotels. These cards offer higher value points by offering more attractive rewards rates, multipliers and multipliers in their respective categories.
Ratings from Apple Vacations
Apple cards don't offer travel mileage or points. This can be frustrating for frequent travellers. There are plenty of other cards that do, though, including the Chase Freedom or Sapphire Preferred that offer transferable points and higher multipliers on most purchases.