If you are purchasing an apple device, the apple card gives a competitive cash back reward. Many people use credit cards while always paying the balance in full and use them for rewards (you could argue that these rewards are priced into the cost of goods so not getting them is leaving money on the table).

I think it's reasonable to believe that this system as a whole is exploitive and unfair, those with poor credit pay more to fund cash back for others and the high interest rates leading to circles of debt, but given this is the way it is, I think its a perfectly good idea for someone to have an Apple Card depending on their circumstances.

The people who want to borrow thousands of dollars for free.