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Far as I know, this doesn't come with an annual fee. If you only plan to use it with Apple Pay, it's competitive with Citi Double Cash, which is considered one of the top tier cash-back cards you don't pay yearly for. It seems fairly competitive to me.

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"If you only plan to use it with Apple Pay"

That's simply not possible, is it? In terms of an all purpose spending card?

I see this as a 1% card with special "categories" that I don't care to keep track of. The world is littered with those. Double Cash is OK, but has international transaction fees last time I checked.

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