That's because you'll need to use the card with Apple Pay to earn a high rate of cash back. This brings us to a big limitation: Unless you have an iPhone, there's really no reason to consider the Apple Card. In fact, it's not even a physical card (unless you want it to be) - one of the card's main selling points is its convenient digital interface that lives right on your iPhone in the Apple Wallet app. Apple Card Review: Is It the Best Credit Card for You?Īpple is well known for its innovative technology, so it's no surprise the Apple Card is equally unique in the credit card space. It's since added new features, including access to a high-yield savings account, but unless you're a true Apple aficionado, you'll likely do better with one of the best cash-back credit cards. The Apple Card launched to much fanfare in 2019, promising to be an effortless, fee-free way to earn high cash-back rewards and track spending. But its lack of welcome bonus and reliance on using Apple Pay to earn the most rewards may be a turnoff for some. The Apple Card, issued by Goldman Sachs, is an interesting option for Apple loyalists, earning up to 3% cash back and offering unique features you won't find on other cards.
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