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Comment by Ajay-p | Hacker News Reader

I only got the card because I wanted a neat piece of titanium. I used it a few times and then cancelled it. Was I the only one?

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I got it at launch and use it to this day. The pandemic happened like 4 months later which accelerated the trend for everywhere to accept Apple Pay, so now it's basically 2% cash back anywhere no strings attached. I also got the extra discount on my new iPhone in 2021 and 2 years zero interest financing which was worth real money as rates rose. Combined with being tightly integrated into my iPhone it's a no brainer. I still use my Fidelity card for a lot of things though as well, it also is a 2% cash back everywhere card.

The card is pretty useful to me as a first card since it has no foreign transaction fee.

Agree it became my primary card when I recently spent three months in London because of that and the ubiquity of Apple Pay.

We got it for interest-free yearly paybacks (plus cash back) buying a MacBook Air, two watches, and two iPhone 13s. Have put an occasional small purchase on it just to stay active, paid off right away. The titanium card is excellent, though I've only pulled it out once.

Came for the physical card, stayed for the Daily Cash back/applepay on the watch.

You can use all your cards you've setup in ApplePay on the watch.

Indeed. Applepay gives a higher % back for tap payments than sliding their sexy card though. Because of that, it rarely leaves the wallet.

Maybe. I got one, wife got one. we merged accounts as soon as it was available. It's our #1 used card by far.

I've been 100% satisfied with the Apple Card & Savings.

I rarely use it because my Chase Preferred has more offers/benefits.

Mostly these days it's used for Apple payments like iCloud for the extra percent back in cash.

Ah, that is a decent use case. Seems like it would only net you a few bucks more back a year than chase points if you're, say, buying the Apple One Family plan though. I also have both the Apple card and the Chase Reserve and end up using the Chase card exclusively because it has better benefits, and can really probably only recommend the Apple one for people who rarely travel and buy a lot of Apple products. The Chase ones pay for themselves across one weeklong vacation. If you use them as daily drivers (e.g. funnel all of your expenses through them) you can usually buy several plane tickets a year on points alone

Yeah Chase works out the best for sure. Especially if you manage to get a signup bonus. That's what I did for the Preferred earlier this year and it netted me 80k extra points. Used part of it to get "free" roundtrip economy tickets to Japan from California. Not bad. You're right though that the Apple Card just isn't really that worth it unless you're buying hardware every year, which I do not.

If you have some greater than nominal amount of yearly spend on travel (like $500, seriously) I highly recommend upgrading to the reserve right after your year end bonus (this will maximize your points). Better even if you get an upgrade bonus. You get $300 of the $450 back immediately after you spend it on travel and the extra points will be made back in weeks if not months if you spend on it even a little. I had the preferred for like 6 years because it was the cheapest card with no foreign transaction fees and after upgrading to the reserve this year I am kicking myself for having waited this long. The lounges are meh but the better insurance and more points are killer, plus the one time free global entry is a nice benefit as well if you don’t already have it.

I tried to use it a few times and then cancelled it. It got declined a lot and no explanation was ever given.

I've had it since it launched. I make thousands of transactions a month. I've never had a decline.

Now I wanna know how you make thousands of transactions a month. Even 1000 per month would be 30+ transactions per day?

I read that as "thousands in transactions / month" which is easily done.

Thousands? What do you buy if you don't mind sharing?

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