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Comment by yardie | Hacker News Reader

I use an Apple Card and it’s good but nothing amazing. The incentives and benefits are pretty basic. The interest rate isn’t competitive, not even a 0% teaser rate. But I use it because it’s super fucking convenient. 1 account for my entire family. It helps catch billing mistakes for example we were paying for 2 Prime subscriptions for years; a monthly and annual.

My impression is Apple is trying to be the universal app. Chat, App Store, media, and bank. And GS is there stepping stone.

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that's my impression too. The reward is mediocre to say the least, but it's super convenient by optimizing the most common path: payment in a single click on the dashboard and real-time activity feed. And the killer feature: autofill on web pages with Safari.

You can do all of those things with regular credit cards added to Apple Pay too

Getting your data out of their platform to do analysis on it use to be such a PIA. Have they resolved this yet?

Workaround: an app like Mint that can export the transactions as CSV.

How do you get a CSV of your Apple card transactions?

I personally hate my Apple card because of its locked down nature. I own a Mac but can only view transactions on my iPad for some reason? That is worthless and there's no valid reason I can't just login into a website on any device like with every other credit card or banking company. I find it such an annoyance having to enter in the transactions manually.

It only makes sense to use the card to get the initial discount and interest free payment plan for expensive Apple products. The cash back rate is uncompetitive compared to other cards, and they actually work with budgeting software like YNAB.

https://card.apple.com but you can only view/export statements which makes it next to useless for YNAB as I don’t want to wait for a statement to reconcile.

I only use my Apple Card for Apple purchases because of this. I’d use it everywhere if it supported YNAB.

Indeed - Mint has mechanism for it. Don’t think any others do but I believe CoPilot is working on it.

Copilot also lets you import Apple Card transactions as CSV

It does but I think the Mint version is more automated and seamless. You are right anyways. Don’t love how it works at the moment in CoPilot

This is the #1 thing that stops me from using it (except for Apple Purchases), I can’t get the data into YNAB automatically. That’s a dealbreaker for me.

Nope, still a nightmare

yeah the best part is the instant push notifications when a transaction goes through

I don't think this is unique to Apple as my Chase cards do this. I'm assuming most CCs do.

Sadly no. My AMEX does it. But my BofA does not.

My BofA does so I think you just haven't set it up.

The settings pages for BofA are awful so I don't blame you. Took forever to figure out how to setup auto payment for my credit card.

This isn't default for all US banks and cards?

I use a community credit union, most of their rates and products are better. Up to a certain amount of money

My Citi Double Cash does this

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