apple card cash back nike

Even though Apple mentions that the list of these partner and external companies that offer cash back can change anytime, no company He has. Over the past year, the Apple Card has added more rewards partners, allowing cardholders to maximize 3% cash back at retailers like Nike and. Get 3% Daily Cash back at Nike when you use Apple Card with Apple Pay. Terms apply.

Apple card cash back nike -

Apple Now Offering 3% Cash-Back On Nike Purchases When You Use Your Apple Card

HipHopWired Featured Video

CLOSE

Apple Holds Product Launch Event In Cupertino

Source: Michael Short / Getty

This is excellent news right on time for the holiday shopping season. Apple is now allowing 3% cash-back to Apple Card users on Nike purchases.

The Swoosh is the latest company to join the growing list of retailers to offer cash-back for Apple Card users. T-Mobile and Uber already offer 2% cash-back now Nike is joining the party. When you make a purchase from either SNKRS, Nike.com, Nike stores, Nike Running Club, Nike Training Club, or the Nike App using Apple Pay combined with your Apple Card, you will get 3% Daily Cash.

The announcement comes on the heels of Black Friday and the holiday season, which should delight shoppers looking to get some cash-back on upcoming sneaker and apparel purchases.

Users will be able to use their accumulated Daily Cash towards other purchases or even pay their Apple Card bill (not available yet).

When Apple’s credit card was first announced, the tech giant was only offering 3% towards Apple purchases, 2% when you use Apple Pay, and a modest 1% when you use the physical card. Much to the delight of attendees at the Apple Event, which introduced the card, Apple revealed that it would be opening up its cash-back program to other companies. Nike is just the latest and the company that Job’s built promises that it will be adding more down the pipeline.

We are very excited to learn that we will be getting 3% cash-back when we cop those Air Jordan 11 ‘Bred’ next month and other kicks when they drop.

Photo: Michael Short / Getty

Apple , Apple Credit Card , nike

Источник: https://hiphopwired.com/830250/apple-card-nike-cash-back-offer/

EnglishEspañolExxonMobil offers cash back with Apple Card

Exxon Mobil joins a small number of retailers that offer 3% Daily Cash bonuses on purchases, including Nike, T-Mobile, Uber, Uber Eats, Walgreens, among others.

ExxonMobil will be the only fuel provider to offer 3% Daily Cash back when using Apple Card with Apple Pay at Exxon and Mobil stations. 3% Daily Cash is now available on fuel, car washes and convenience store purchases at over 11,500 Exxon and Mobil stations across the United States.

Exxon and Mobil consumers can use Apple Card with Apple Pay in the Exxon Mobil Rewards+™ app to pay for fuel at the pump, so they can avoid inserting their card and touching buttons – all while earning 3% Daily Cash back.

To make a convenience store purchase at check-out using Apple Card with Apple Pay, customers simply hold their iPhone or Apple Watch near the payment terminal to make a contactless payment.

With the Exxon Mobil Rewards+ app, consumers will also earn points towards future savings through the Exxon Mobil Rewards+ program. Consumers using the app can save on fuel and convenience store purchases while also receiving bonus savings through special in-app promotions, spanning national offers to local rewards tailored just for them.

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Источник: https://www.petrolplaza.com/

Best for: iPhone users who frequently rely on Apple Pay and want everyday convenience.

Apple has recently unveiled its first credit card, the Apple Card, boasting unique benefits for users. Although it doesn’t offer any features you’d consider revolutionary; it’s a solid cash back card. The Apple Card offers a few standout perks like no annual fees, no penalty fees and no foreign transaction fees. Overall, this card delivers a modern experience for iPhone users who regularly rely on Apple Pay. 

The basics

  • APR: 12.49% to 23.49% variable rate
  • Annual Fee: $0
  • Rewards Rates: Earn 3% cash back on everything you buy from Apple and select merchants when you use Apple Pay like Uber, Walgreens and Nike. Earn 2% cash back when you use your Apple Card with Apple Pay. Earn 1% when you use your Apple Card on everything else.
  • Intro offer: None

Standout features

  • Immediate use of card: Once you get approved, you can start using your card immediately since it lives in the Wallet app on your iPhone. Not many other cards can offer this particular benefit because usually, you’ll have to wait for a physical card to arrive in the mail.
  • Lack of common fees: No annual fees, no over-the-limit fees, no foreign transaction fees and no late fees.
  • Get text-based customer service: Hate using your phone to call customer service and waiting on hold for hours? The Apple Card includes text-based customer service 24/7 so you can get your issues resolved more quickly.
  • Estimated interest function: Credit card issuers make money if you only pay the minimum amount due. But the Apple Card takes a different approach and shows you the interest you will pay based on whatever payment amount you choose. This feature allows you to make an informed financial decision about your credit card payments. 
  • Apple Card Monthly Installments: Want the new iPhone? With the Apple Card Monthly Installments feature, you can pay it off without interest payments. If you already have the Apple Card, you don’t need to fill out an additional application to qualify for this special payment plan.
  • Unique expense tracking: All of your transactions made with your Apple Card are assigned a color according to its respective spending category. For example, entertainment expenses are pink, while restaurants are orange. When you see an overview of your Apple Card charges, you’ll get a quick visual summary of where you’ve been spending the most. If you see a charge you don’t immediately recognize, you can tap it to view the location of the charge on a map.
  • Apple security features: Face ID, Touch ID and unique transaction codes are built right into the Apple Card for added safety and protection. 
  • Modern card design: Made of titanium, and the physical credit card lacks any numbers boasting an additional layer of security.
  • Soft credit inquiry won’t initially ding your credit: Apple won’t do a hard pull on your credit until after you’ve accepted the Apple Card offer with your APR and credit limit.
  • Daily cash back: Instead of getting rewards at the end of the statement period, you’ll get cash back in the form of Daily Cash that is deposited into your Apple Cash card automatically in your Wallet app. You can use it for Apple Pay purchases or send it to friends and family.

Best way to use this card

Apple fans are known for their cult-like loyalty, but before you make the jump, there are a few things you’ll want to consider first. To get the most value out of this card, it’s essential you’re already familiar with Apple Pay and regularly visit merchants using the Apple Pay system. This strategy helps you take advantage of the 3% back earning rate.If you want to monitor your spending and track your cash flow, this card delivers a high-level overview of your transactions in an intuitive, user-friendly in-app feature. This detail may be helpful for credit card users who need a visual summary of their spending to keep their budget in check. And, if you tend to carry a balance month to month or make a late payment or two, this card won’t punish you for being less than perfect. However, seeing the in-app estimate of the additional interest you’d pay for carrying a bigger balance month to month might serve as an incentive to pay off your full amount each month.For no annual fee and respectable features, the Apple Card isn’t a bad choice. But if you don’t use Apple Pay regularly, consider other flat-rate cash back cards offering better terms and aren’t restricted to the Apple Pay mobile payment system, like the Citi Double Cash Card. If you’re sold on the idea of the Apple Card, It might be in your best interest to pair it with another card that offers a good flat-rate cash back reward on purchases when you’re at a retailer that doesn’t use Apple Pay.

In a nutshell

The Apple Card is built for believers and followers of the Apple brand. In fact, you can’t even get the Apple Card unless you have an iPhone running iOS 12.4 software or later. However, if you like the idea of a simple interface and the additional tracking and monitoring tools, this is a solid choice — especially if you’re planning to buy the latest iPhone. The lack of fees, immediate use of the card upon approval, and the daily cash back feature deliver instantaneous value other cards may not be able to match.

Michelle Wilson

Michelle Wilson is a San Diego-based writer specializing in the topics of personal finance, technology, and culture. You can find her writing on sites such as HP Tech Takes, The Simple Dollar, and San Diego Magazine. In her spare time, she enjoys finding new cats to follow on Instagram. 

 

Источник: https://bestcreditcards.com/reviews/apple-card/

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For U.S. military personnel permanently assigned or on temporary duty overseas, please call our Customer Service team at 1-800-SHOP CVS (1-800-746-7287) if you need assistance with your order.

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Nike Court Sneakers $49!

We spotted a variety of Nike Women’s Sneakers on sale at Nordstrom Rack!

As just one deal idea, you can get these Nike Court Vision Low Sneakers in Pink for only $49.97 – regularly $65. They are still available in a variety of sizes, but note that they may sell out fast. Check these out here and see more deal ideas below!

Shipping is free on orders over $89.

Nike Sneakers $49!

Nike Court Vision Low Sneaker
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  • Источник: https://www.freestufffinder.com/nike-court-sneakers-49/

    Apple has recently opened up its Cash-Back program for all payments to Nike via Apple Pay and the Apple card, meaning that Apple users will receive a 3% cash-back rate for all purchases made at Nike stores, Nike.com, SNKRS, Nike Training Club, Nike Running Club, and the official Nike app.

    Consumers can instantly use the newly acquired Daily Cash funds for other purchases, send to friends or family, or put towards their balance. It was initially intended for only Apple-related purchases with 3% back, Apple Pay transactions with 2%, and transactions made with the physical card with one percent back, but Apple decided to open up its program to other retailers.
    Nike is the most recent retailer Apple agreed to partner with, following Uber and Uber Eats on the Apple Card’s launch day, and will continue to extend the 3% Daily Cash program to more merchants.

    Источник: http://www.somewhere-magazine.com/get-3-cash-back-via-apple-pay-and-apple-card-while-shopping-at-nike/

    Apple card cash back nike -

    Apple has recently opened up its Cash-Back program for all payments to Nike via Apple Pay and the Apple card, meaning that Apple users will receive a 3% cash-back rate for all purchases made at Nike stores, Nike.com, SNKRS, Nike Training Club, Nike Running Club, and the official Nike app.

    Consumers can instantly use the newly acquired Daily Cash funds for other purchases, send to friends or family, or put towards their balance. It was initially intended for only Apple-related purchases with 3% back, Apple Pay transactions with 2%, and transactions made with the physical card with one percent back, but Apple decided to open up its program to other retailers.
    Nike is the most recent retailer Apple agreed to partner with, following Uber and Uber Eats on the Apple Card’s launch day, and will continue to extend the 3% Daily Cash program to more merchants.

    Источник: http://www.somewhere-magazine.com/get-3-cash-back-via-apple-pay-and-apple-card-while-shopping-at-nike/

    Apple Now Offering 3% Cash-Back On Nike Purchases When You Use Your Apple Card

    HipHopWired Featured Video

    CLOSE

    Apple Holds Product Launch Event In Cupertino

    Source: Michael Short / Getty

    This is excellent news right on time for the holiday shopping season. Apple is now allowing 3% cash-back to Apple Card users on Nike purchases.

    The Swoosh is the latest company to join the growing list of retailers to offer cash-back for Apple Card users. T-Mobile and Uber already offer 2% cash-back now Nike is joining the party. When you make a purchase from either SNKRS, Nike.com, Nike stores, Nike Running Club, Nike Training Club, or the Nike App using Apple Pay combined with your Apple Card, you will get 3% Daily Cash.

    The announcement comes on the heels of Black Friday and the holiday season, which should delight shoppers looking to get some cash-back on upcoming sneaker and apparel purchases.

    Users will be able to use their accumulated Daily Cash towards other purchases or even pay their Apple Card bill (not available yet).

    When Apple’s credit card was first announced, the tech giant was only offering 3% towards Apple purchases, 2% when you use Apple Pay, and a modest 1% when you use the physical card. Much to the delight of attendees at the Apple Event, which introduced the card, Apple revealed that it would be opening up its cash-back program to other companies. Nike is just the latest and the company that Job’s built promises that it will be adding more down the pipeline.

    We are very excited to learn that we will be getting 3% cash-back when we cop those Air Jordan 11 ‘Bred’ next month and other kicks when they drop.

    Photo: Michael Short / Getty

    Apple , Apple Credit Card , nike

    Источник: https://hiphopwired.com/830250/apple-card-nike-cash-back-offer/

    Apple Card Review – Does It Live Up to the Hype?

    Apple Card immodestly claims to “completely [rethink] everything about the credit card.” Is it correct? Maybe.

    Backed by the Mastercard network, Apple Card certainly has a host of innovative features that old-fashioned credit cards don’t, such as daily cash back and numberless physical cards. And it’s a harbinger of the cashless, contactless payments landscape to come. No serious observer can dispute that Apple Card is ahead of its time.

    But any product that’s truly ahead of its time must also be competitive in the present. And beyond its novel features, Apple Card works pretty much like any other credit card. Indeed, in spite — or perhaps because — of its novel additions, it lacks some consumer-friendly features common to other popular cash-back cards and general-purpose rewards cards.

    Here’s a closer look at what sets Apple Card apart, and how it stacks up against the best credit cards on the market.

    Things to Keep in Mind About the Apple Credit Card

    Before we dive into Apple Card’s details, three points bear mentioning.

    First, although cardholders who don’t pay their statement balances in full each month are subject to interest charges that vary with their creditworthiness and prevailing benchmark rates, Apple Card charges none of the fees typically levied by credit card companies: no annual fee, no late fee, and no over-limit fee.

    Second, Apple Card is designed to work with Apple Pay, which runs on Apple (Mac) hardware only. If you’re one of the many millions of iPhone users in the United States, this card is for you. If you’re an Android loyalist, you’re out of luck.

    Third, Apple Card has a slightly unorthodox application process that doesn’t impact your credit score until you’ve accepted the offer (if approved). If you decide not to follow through with getting an Apple Card after applying, or your application isn’t approved, your credit score won’t decline as a result of your inquiry.


    Key Features

    Here’s a closer look at Apple Card’s most notable features.

    Earning Cash Back

    Apple Card has a three-tiered cash-back program:

    • 3% Cash Back. All purchases from Apple earn unlimited 3% cash back. These include, but are not limited to, purchases from Apple.com, physical Apple Stores, the iTunes Store, the App Store, and in-app purchases. Certain non-Apple purchases made using Apple Pay earn 3% cash-back rewards as well.
    • 2% Cash Back. All other purchases made using Apple Pay (including through your Apple phone or Apple Watch) earn unlimited 2% cash back. Hundreds of major retailer chains and brands, encompassing more than 2 million individual merchant locations online and off, accept Apple Pay. These include but aren’t limited to Walgreens, Nike, Uber Eats, Duane Reade, Amazon, and thousands of gas stations. If you’re not familiar with how Apple Pay works, see Apple’s site for details.
    • 1% Cash Back. Purchases — online, offline, and in-app — made with merchants that don’t accept Apple Pay earn an unlimited 1% cash back.

    Redeeming Cash Back

    Cash back earned through Apple Card purchases accrues daily. Each day a purchase posts to your account, you’ll receive the requisite cash back on your Apple Pay Cash card in the Apple Wallet app.

    From there, you can use it to pay for purchases within or without the Apple ecosystem or to make payments on your Apple Card balance.

    If you don’t have an Apple Pay Cash card and aren’t interested in getting one, you must accept cash back earned to your Apple Card via statement credits, which may not be much of a sacrifice.

    Apple Pay Integration

    Apple Card is essentially an offshoot of Apple Wallet and Apple Cash. It’s designed for use in conjunction with Apple Pay — or, more specifically, as the user’s default Apple Pay payment method. Apple clearly expects most Apple Card transactions to be contactless, executed through a Web portal or with the tap of an iPhone.

    Beyond Apple Card’s novelty as a truly “contactless first” credit card, users benefit from Apple Pay’s stringent security features. These include:

    • Unique Device Number. Your Apple Card is issued with a unique number that’s stored in your iPhone’s Secure Element, the secure microchip that hosts the phone’s most sensitive functions.
    • Two-Factor Purchasing. Every purchase requires your unique device number, plus a unique one-time code generated on the spot.
    • Purchase Authorization Via Face ID or Touch ID. This renders stolen phones all but useless for making purchases.

    Apple Card also takes data security seriously. Apple and Goldman Sachs, the card’s issuer, vow never to share customer data with third parties. Only Goldman Sachs has access to users’ transaction histories and personal information.

    Physical Credit Card

    Apple Card isn’t 100% virtual. The physical Apple Card is a titanium card that looks and feels just like any other premium credit card, except that it’s much sleeker. The card face is a minimalist triumph, with no cardholder name, card number, or CVV and virtually no marks to mar its metallic hue.

    Apple and Goldman Sachs tout the security benefits of Apple Card’s featurelessness. Without any information to identify the card, it’s useless in the wrong hands.

    Real-Time Fraud Protection

    Apple Card’s real-time fraud protection feature notifies you every time your card is used to make a purchase. If something doesn’t seem right about a transaction, or you know for a fact that you didn’t make it, you can immediately initiate the dispute process by tapping the notification.

    Purchase Organization and Mapping

    Apple Card automatically organizes purchases by purchase category — entertainment, food and drinks, and so on — and by merchant. Categories are color-coded for easy visualization and totaled monthly for easy budgeting. With features like that, who needs a paid budgeting app?

    Apple Card also automatically maps purchases, showing you where you’ve spent money recently, literally. If a real-time fraud protection notification slips your notice, seeing a purchase in a city you’ve never visited will catch your attention.

    Spending Summaries

    Apple Card’s spending summaries, visible in the Wallet app, reveal how much you’re spending, and on what, in any given week or month. You can view spending trends over time here too, which comes in handy for the periodic budget reviews you should be doing.

    Payment Due Dates and Frequency

    By default, Apple Card statements are due at the end of the month. If you prefer to pay balances more frequently — and reduce interest charges when you can’t pay off your balance in full before the statement due date — you can set weekly or biweekly payments too.

    Interest Calculator

    Apple Card’s built-in interest calculator automatically tallies expected interest charges when you pay less than the full balance due on your card before the end of the grace period.

    Credit card issuers are required to reveal on each statement the true cost of making only the minimum payment due in comparison with at least one larger monthly payment.

    However, this is a far more robust and interactive interest calculator that’s significantly more likely to nudge you to boost your monthly payment.

    Interest-Reduction Suggestions

    If the interest calculator isn’t enough, Apple Card also provides “smart payment suggestions” that encourage cardholders to increase their monthly payments, thereby decreasing their total interest liability.

    It’s not clear how Apple Card arrives at these suggestions, but they appear to be based on cardholders’ spending patterns and payment history.

    Interest-Free Installment Payments

    Apple Card offers interest-free monthly installment payments for select Apple products purchased through the company’s sales channels. You can easily see the size of your installments and how much you have left to pay in the app.

    Text-Based Support

    Apple Card has a text-based support system that’s available 24/7. If you run into an issue with the card or have a question that doesn’t concern a disputed charge — which you can handle through the real-time fraud protection interface — this is your ticket to a resolution.

    Important Fees

    Apple Card charges no fees to cardholders: no foreign transaction fees, balance transfer fees, or annual fees.


    Advantages

    These are among Apple Card’s principal advantages.

    1. No Fees

    Apple Card doesn’t charge any fees to cardholders. This makes it all but unique, as even avowedly low-fee cards assess fees for less common occurrences such as late and returned payments.

    2. Cash Back Accrues Daily

    Apple Card is among the only widely available credit cards to accrue cash back on a daily basis, rather than at the end of the statement cycle.

    Although the accrual frequency doesn’t affect net cash-back earnings or cash-back earning rates, it’s certainly nice to see your spending subsidized in near-real-time.

    3. Solid Cash Back Rates on Apple and Apple Pay Purchases

    This card earns 3% cash back on virtually all purchases within the Apple ecosystem, excluding purchases with Apple Pay merchants. This 3% category covers, but isn’t limited to, the following:

    • Apple.com purchases
    • Purchases at physical Apple Stores
    • iTunes Store purchases
    • App Store purchases
    • In-app purchases

    Apple Card also earns 2% cash back on purchases made with Apple Pay merchants. So if you’re able to limit your spending to the Apple and Apple Pay ecosystems, you’ll net somewhere north of 2% cash back on this no-annual-fee card, depending on your exact spending mix.

    4. Above-Average Security Features

    Apple Card is more secure than your average credit card. The physical card doesn’t have a card number or CVV, so you won’t have to worry about what could happen between the moment you lose your card and the moment you freeze your account.

    The virtual card is denoted by a unique device number (basically a second, ever-changing credit card number) locked away in your iPhone’s Secure Element, far from prying eyes.

    Perhaps most consequentially, Apple has a strict privacy policy that forbids data sharing with third parties. There’s no need to opt out, which is often easier said than done, and only Goldman Sachs has access to your transaction history.

    5. Real-Time Fraud Protection

    Apple Card has another security feature worth touting: real-time fraud protection that alerts you whenever your card is used to make a purchase and lets you flag potentially fraudulent transactions with a single tap.

    Compared with the traditional dispute resolution process, this is a snap, even when flagged charges turn out to be legitimate.

    6. Easy, Flexible Payments

    Apple Card’s default payment due date — the last day of the month — is easy to remember, even without the helpful reminders.

    If you’re trying to budget on an irregular income and prefer not to wait until the end of the month to pay off your entire balance, Apple Card’s customized weekly and biweekly payment intervals have you covered.

    Other credit cards let you pay off balances throughout the month, but few make it as easy as Apple Card.

    7. Interest-Reduction Features

    Apple Card’s interest calculator and interest-reduction suggestions are classic examples of “nudge” theory in action. By revealing just how much you’ll save over time by paying a little more upfront, these features nudge you to make smart financial decisions.

    Of course, it’s always best to pay off your balance in full by the statement due date, but when unexpected expenses make that impossible, it’s nice to feel like your credit card issuer is on your side.

    8. Useful Budgeting and Spending Control Features

    With so many budgeting and spending control features, Apple Card feels like a personal budgeting suite with a spending aid built in.

    Maybe that’s the point. Although most small-business credit cards have basic expense tracking and reporting features, Apple Card’s package is unusually robust for a consumer credit card.

    If what’s keeping you from building and sticking to a household budget is the inconvenience inherent in standalone budgeting software, this is a potential game-changer.

    9. Text-Based Customer Support

    Apple Card’s text-based customer support is a low-friction alternative to menu-laden, over-automated phone support and unpredictable email support.

    Whether this feature is as efficient as Apple and Goldman Sachs promise remains to be seen, but it’s difficult to see it being worse than the status quo — for relatively simple issues, at least.

    10. No Penalty Interest Charges

    Apple Card doesn’t charge penalty interest. While it’s best never to find yourself in a position where penalty interest would apply, the assurance that you won’t be unduly penalized for a lapse beyond your control is certainly welcome.


    Disadvantages

    Consider these potential disadvantages before applying for Apple Card.

    1. Requires Apple Pay and Apple Hardware

    Apple Card’s biggest drawback is its exclusivity. The card requires Apple Pay, which runs exclusively on Apple hardware, meaning it’s not appropriate for Android or Windows device users.

    If you’re set on applying for Apple Card but don’t have an iPhone or other compatible Apple device, Apple Watch is your most cost-effective option. Apple Pay runs on Apple Watch just fine, and you can pick up refurbished older versions — Series 1, 2, and 3 — for less than $100.

    That’s still a significant outlay, though, and no other credit card on the market requires compatible hardware.

    2. Only 1% Cash Back on Non-Apple Pay Purchases

    Apple Card earns just 1% cash back on non-Apple Pay purchases. If your daily, weekly, and monthly consumption habits involve merchants that mostly accept Apple Pay, you shouldn’t have trouble earning the higher 2% cash-back rate, but not all merchants do.

    Square has a non-exhaustive list of major merchants that do accept Apple Pay. Do yourself a favor and review it before applying for this card.

    3. Goldman Sachs’ First Credit Card

    Apple Card is the first consumer credit card issued by Goldman Sachs Bank. Apple touts this as an advantage, arguing that Goldman Sachs isn’t bound by the constraints of legacy credit card issuers such as Chase and Barclays.

    And it’s not as if Goldman Sachs is entirely new to the consumer finance realm. Its Marcus by Goldman Sachs loan and savings products are innovative and well-liked.

    That said, it’s not hard to imagine a first-time credit card issuer experiencing some growing pains, especially given Apple Card’s novelty. At a minimum, don’t be surprised to see iterative changes to Apple Card as Goldman Sachs figures out what works and what doesn’t.

    4. No Sign-Up Bonus

    Apple Card doesn’t have a sign-up bonus. While this is subject to change at any time in the future, it’s worth noting in the here and now. Many competing cards, including popular cash-back cards, either offer bonuses for early spending or intro APR periods for purchases or balance transfers (or both).


    Final Word

    If you’re a committed Apple Pay user with the hardware to back it up — an iPhone, Apple Watch, or maybe an iPad — then it might make sense for you to ditch your traditional credit cards and go all-in on Apple Card.

    Users who restrict their spending only to Apple Pay merchants stand to earn 2% cash back across the board, about as good as it gets on a consistent basis for premium cash-back credit cards. To do better than that, you’ll need to upgrade to a premium travel rewards credit card with a hefty annual fee.

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    Источник: https://www.moneycrashers.com/apple-card-review/

    Best for: iPhone users who frequently rely on Apple Pay and want everyday convenience.

    Apple has recently unveiled its first credit card, the Apple Card, boasting unique benefits for users. Although it doesn’t offer any features you’d consider revolutionary; it’s a solid cash back card. The Apple Card offers a few standout perks like no annual fees, no penalty fees and no foreign transaction fees. Overall, this card delivers a modern experience for iPhone users who regularly rely on Apple Pay. 

    The basics

    • APR: 12.49% to 23.49% variable rate
    • Annual Fee: $0
    • Rewards Rates: Earn 3% cash back on everything you buy from Apple and select merchants when you use Apple Pay like Uber, Walgreens and Nike. Earn 2% cash back when you use your Apple Card with Apple Pay. Earn 1% when you use your Apple Card on everything else.
    • Intro offer: None

    Standout features

    • Immediate use of card: Once you get approved, you can start using your card immediately since it lives in the Wallet app on your iPhone. Not many other cards can offer this particular benefit because usually, you’ll have to wait for a physical card to arrive in the mail.
    • Lack of common fees: No annual fees, no over-the-limit fees, no foreign transaction fees and no late fees.
    • Get text-based customer service: Hate using your phone to call customer service and waiting on hold for hours? The Apple Card includes text-based customer service 24/7 so you can get your issues resolved more quickly.
    • Estimated interest function: Credit card issuers make money if you only pay the minimum amount due. But the Apple Card takes a different approach and shows you the interest you will pay based on whatever payment amount you choose. This feature allows you to make an informed financial decision about your credit card payments. 
    • Apple Card Monthly Installments: Want the new iPhone? With the Apple Card Monthly Installments feature, you can pay it off without interest payments. If you already have the Apple Card, you don’t need to fill out an additional application to qualify for this special payment plan.
    • Unique expense tracking: All of your transactions made with your Apple Card are assigned a color according to its respective spending category. For example, entertainment expenses are pink, while restaurants are orange. When you see an overview of your Apple Card charges, you’ll get a quick visual summary of where you’ve been spending the most. If you see a charge you don’t immediately recognize, you can tap it to view the location of the charge on a map.
    • Apple security features: Face ID, Touch ID and unique transaction codes are built right into the Apple Card for added safety and protection. 
    • Modern card design: Made of titanium, and the physical credit card lacks any numbers boasting an additional layer of security.
    • Soft credit inquiry won’t initially ding your credit: Apple won’t do a hard pull on your credit until after you’ve accepted the Apple Card offer with your APR and credit limit.
    • Daily cash back: Instead of getting rewards at the end of the statement period, you’ll get cash back in the form of Daily Cash that is deposited into your Apple Cash card automatically in your Wallet app. You can use it for Apple Pay purchases or send it to friends and family.

    Best way to use this card

    Apple fans are known for their cult-like loyalty, but before you make the jump, there are a few things you’ll want to consider first. To get the most value out of this card, it’s essential you’re already familiar with Apple Pay and regularly visit merchants using the Apple Pay system. This strategy helps you take advantage of the 3% back earning rate.If you want to monitor your spending and track your cash flow, this card delivers a high-level overview of your transactions in an intuitive, user-friendly in-app feature. This detail may be helpful for credit card users who need a visual summary of their spending to keep their budget in check. And, if you tend to carry a balance month to month or make a late payment or two, this card won’t punish you for being less than perfect. However, seeing the in-app estimate of the additional interest you’d pay for carrying a bigger balance month to month might serve as an incentive to pay off your full amount each month.For no annual fee and respectable features, the Apple Card isn’t a bad choice. But if you don’t use Apple Pay regularly, consider other flat-rate cash back cards offering better terms and aren’t restricted to the Apple Pay mobile payment system, like the Citi Double Cash Card. If you’re sold on the idea of the Apple Card, It might be in your best interest to pair it with another card that offers a good flat-rate cash back reward on purchases when you’re at a retailer that doesn’t use Apple Pay.

    In a nutshell

    The Apple Card is built for believers and followers of the Apple brand. In fact, you can’t even get the Apple Card unless you have an iPhone running iOS 12.4 software or later. However, if you like the idea of a simple interface and the additional tracking and monitoring tools, this is a solid choice — especially if you’re planning to buy the latest iPhone. The lack of fees, immediate use of the card upon approval, and the daily cash back feature deliver instantaneous value other cards may not be able to match.

    Michelle Wilson

    Michelle Wilson is a San Diego-based writer specializing in the topics of personal finance, technology, and culture. You can find her writing on sites such as HP Tech Takes, The Simple Dollar, and San Diego Magazine. In her spare time, she enjoys finding new cats to follow on Instagram. 

     

    Источник: https://bestcreditcards.com/reviews/apple-card/

    The Apple Card launched to much excitement from loyal Apple fans but was not of interest enough to those of us who enjoy credit card rewards to entice most of us. However, Apple has been adding retailers over the last few months into their more lucrative 3% cash back category. Now, they have added a sports retailer and a big one – Nike.

    Nike Now Earns 3% with the Apple Card

    As a refresher, there are 3 different earning structures with the Apple Card:

    • 1% cash back when using the physical card
    • 2% cash back when using the Apple Card with Apple Pay
    • 3% cash back when using the Apple Card with Apple Pay at certain vendors/retailers

    The list of those vendors in the 3% cash back column now are:

    • Uber
    • UberEats
    • T-Mobile
    • Walgreens
    • Duane Reade
    • Nike

    Nike is the first retailer to that list that does not have better earnings with another credit card. This makes this a bit more appealing to fitness enthusiasts, especially those that go through a lot of clothes or shoes (I go through 2-3 pairs of shoes in a normal marathon training program). It helps as well that you can still go through a shopping portal to earn bonuses through there as well (though some have language about not potentially paying out when using smart wallets so keep that in mind).

    Does this make the Apple Card more appealing now? Certainly to a few, I’m sure, but not overall. What I do find appealing is that Apple is adding more and more vendors to this list. This works out great with their occasional promotions when using Apple Pay as well (like they have had with Nike in the past). So, if you do have an Apple Card and are a fitness enthusiast, the Apple Card should now be the one you use for Nike purchases!

    Some of the links on Running with Miles are affiliate links that pay a commission if a purchase is made. Running with Miles is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

    Источник: https://runningwithmiles.boardingarea.com/the-apple-card-adds-nike-as-a-3-earning-partner/
    Apple Card and issuer Goldman Sachs ranked No. 1 in customer satisfaction among the Midsize Credit Card Issuers segment by J.D. Power.Learn more

    The simplicity of Apple.
    In a credit card.

    With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security.
    And with every purchase you get Daily Cash back. Apple Card. It’s everything a credit card should be.

    Created by Apple.
    Powered by iPhone.

    Built for iPhone

    Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. Your transactions, payments, and account details are all in one place, where only you can see them. You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

    No Fees

    We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. No fees. Really. And our goal is to provide interest rates that are among the lowest in the industry. Because your credit card should work for you, not against you.

    The first credit card that actually encourages you to pay less interest.

    Pay Less Interest

    Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does that in real time, so you can make an informed decision about how much of your balance to pay down.

    Unlimited
    Daily Cash back.

    Real cash you can use right away.

    Unlimited Daily Cash

    When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash. It’s real cash, so unlike rewards, it never expires or loses its value. Your cash is deposited right onto your Apple Cash card in the Wallet app — not a month from now, but every day. And there’s no limit to how much you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend in Messages. Or send it straight to your bank account and watch it add up.

    Get 3% Daily Cash back when you shop at Apple.

    3% Daily Cash at Apple

    Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+.

    Get 2%
    Daily Cash
    back

    when you use your iPhone
    or Apple Watch to pay
    with Apple Card.

    2% Daily Cash

    The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash that’s ready to spend whenever, wherever, and however you want.

    Shop with select merchants and get even more Daily Cash.

    3% Daily Cash

    Apple Card gives you unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay.

    • Duane Reade
    • Exxon
    • Mobil
    • Nike
    • Panera Bread
    • T-Mobile
    • Uber
    • Uber Eats
    • Walgreens

    Apple Card Family

    Healthy finances.
    Family style.

    Apple Card Family

    Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. It allows two partners to merge credit lines to form a single co-owned account, manage that account together, and build credit as equals. Participants 18 and older can choose to start building their own credit history, and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases.

    Learn more about Apple Card Family

    Goodbye, plastic.
    Hello, titanium.

    Titanium Card

    With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

    Privacy and Security

    Your card.

    Your data.

    Your business.

    Privacy and Security

    Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you a whole new level of security. And while Goldman Sachs uses your data to operate Apple Card, your transaction history and spending habits belong to you and you alone. Your data isn’t shared or sold to third parties for marketing or advertising.

    Pay for your
    new Apple products
    over time,
    interest‑free

    when you choose to
    check out with Apple Card Monthly Installments.

    Apple Card Monthly Installments

    You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

    Learn more about Apple Card Monthly Installments

    Trusted partners for a different kind of credit card.

    Partnerships

    To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

    Get started
    with Apple Card.

    Apply in minutes to see if you are approved with no impact to your credit score.

    Apply now

    Wallet

    All your credit and debit cards,
    transit cards, boarding passes,
    and more. All in one place.

    Learn more

    Apple Pay

    The safer way to make
    secure,

    contactless purchases
    in stores and online.

    Learn more

    Apple Cash

    Use it to send and receive

    money in Messages and wherever

    Apple Pay is accepted.

    Learn more

    Источник: https://www.apple.com/apple-card/
    MacBook Air $149 OFF, iPhone 13 Pro Max + Free Wireless Service, AirPods $50 OFF (+Many More)

    Источник: https://www.idropnews.com/news/apple-card-75-dollar-nike-bonus/145205/

    watch the thematic video

    The new Best reselling credit card the Apple Credit Card 3% cash back at Nike
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    CVS pharmacy

    CVS.com® is not available to customers or patients who are located outside of the United States or U.S. territories. We apologize for any inconvenience.

    For U.S. military personnel permanently assigned or on temporary duty overseas, please call our Customer Service team at 1-800-SHOP CVS (1-800-746-7287) if you need assistance with your order.

    Источник: https://www.cvs.com/content/gift-cards

    Best for: iPhone users who frequently rely on Apple Pay and want everyday convenience.

    Apple has recently unveiled its first credit card, the Apple Card, boasting unique benefits for users. Although it doesn’t offer any features you’d consider revolutionary; it’s a solid cash back card. The Apple Card offers a few standout perks like no annual fees, no penalty fees and no foreign transaction fees. Overall, this card delivers a modern experience for iPhone users who regularly rely on Apple Pay. 

    The basics

    • APR: 12.49% to 23.49% variable rate
    • Annual Fee: $0
    • Rewards Rates: Earn 3% cash back on everything you buy from Apple and select merchants when you use Apple Pay like Uber, Walgreens and Nike. Earn 2% cash back when you use your Apple Card with Apple Pay. Earn 1% when you use your Apple Card on everything else.
    • Intro offer: None

    Standout features

    • Immediate use of card: Once you get approved, you can start using your card immediately since it lives in the Wallet app on your iPhone. Not many other cards can offer this particular benefit because usually, you’ll have to wait for a physical card to arrive in the mail.
    • Lack of common fees: No annual fees, no over-the-limit fees, no foreign transaction fees and no late fees.
    • Get text-based customer service: Hate using your phone to call customer service and waiting on hold for hours? The Apple Card includes text-based customer service 24/7 so you can get your issues resolved more quickly.
    • Estimated interest function: Credit card issuers make money if you only pay the minimum amount due. But the Apple Card takes a different approach and shows you the interest you will pay based on whatever payment amount you choose. This feature allows you to make an informed financial decision about your credit card payments. 
    • Apple Card Monthly Installments: Want the new iPhone? With the Apple Card Monthly Installments feature, you can pay it off apple card cash back nike interest payments. If you already have the Apple Card, you don’t need to fill out an additional application to qualify for this special payment plan.
    • Unique expense tracking: All of your transactions made with your Apple Card are assigned a color according to its respective spending category. For example, entertainment expenses are pink, while restaurants are orange. When you see an overview of your Apple Card charges, you’ll get a quick visual summary of where you’ve been spending the most. If you see a charge you don’t immediately recognize, you can tap it to view the location of the charge on a map.
    • Apple security features: Face ID, Touch ID and unique transaction codes are built right into the Apple Card for added safety and protection. 
    • Modern card design: Made of titanium, and the physical credit card lacks any numbers boasting an additional layer of security.
    • Soft credit inquiry won’t initially ding your credit: Apple won’t do a hard pull on your credit until after you’ve accepted the Apple Card offer with your APR and credit limit.
    • Daily cash back: Instead of getting rewards at the end of the statement period, you’ll get cash back in the form of Daily Cash that is deposited into your Apple Cash card automatically in your Wallet app. You can use it for Apple Pay purchases or send it to friends and family.

    Best way to use this card

    Apple fans are known for their cult-like loyalty, but before you make the jump, there are a few things you’ll want to consider first. To get the most value out of this card, it’s essential you’re already familiar with Apple Pay and regularly visit merchants using the Apple Pay system. This strategy helps you take advantage of the 3% back earning rate.If you want to monitor your spending and track your cash flow, this card delivers a high-level overview of your transactions in an intuitive, user-friendly in-app feature. This detail may be helpful for credit card users who need a visual summary of their spending to keep their budget in check. And, if you tend to carry a balance month to month or make a late payment or two, this card won’t punish you for being less than perfect. However, seeing the in-app estimate of the additional interest you’d pay for carrying a bigger balance month to month might serve as an incentive to pay off your full amount each month.For no annual fee and respectable features, the Apple Card isn’t a bad choice. But if you don’t use Apple Pay regularly, consider other flat-rate cash back cards offering better terms and aren’t restricted to the Apple Pay mobile payment system, like the Citi Double Cash Card. If you’re sold on the idea of the Apple Card, It might be in your best interest to pair it apple card cash back nike another card that offers a good flat-rate cash back reward on purchases when you’re at a retailer that doesn’t use Apple Pay.

    In a nutshell

    The Apple Card is built for believers and followers of the Apple brand. In fact, you can’t even get the Apple Card unless you have an iPhone running iOS 12.4 software or later. However, if you like the idea of a simple interface and the additional tracking and monitoring tools, this is a solid choice — especially if you’re planning to buy the latest iPhone. The lack of fees, immediate use of the card upon approval, and the daily cash back feature deliver instantaneous value other cards may not be able to match.

    Michelle Wilson

    Michelle Wilson is a San Diego-based writer specializing in the topics of personal finance, technology, and culture. You can find her writing on sites such as HP Tech Takes, The Simple Dollar, and San Diego Magazine. In her spare time, she enjoys finding new cats to follow on Instagram. 

     

    Источник: https://bestcreditcards.com/reviews/apple-card/
    MacBook Air $149 OFF, iPhone 13 Pro Max + Free Wireless Service, AirPods $50 OFF (+Many More)

    Источник: https://www.idropnews.com/news/apple-card-75-dollar-nike-bonus/145205/

    The Apple Card launched to much excitement from loyal Apple fans but was not of interest enough to those of us who enjoy credit card rewards to entice most of us. However, Apple has been adding retailers over the last few months into their more lucrative 3% cash back category. Now, they have added a sports retailer and a big one – Nike.

    Nike Now Earns 3% with the Apple Card

    As a refresher, there are 3 different earning structures with the Apple Card:

    • 1% cash back when using the physical card
    • 2% cash back when using the Apple Card with Apple Pay
    • 3% cash back when using the Apple Card with Apple Pay at certain vendors/retailers

    The list of those vendors in the 3% cash back column now are:

    • Uber
    • UberEats
    • T-Mobile
    • Walgreens
    • Duane Reade
    • Nike

    Nike is the first retailer to that list that does not have better earnings with another credit card. This makes this a bit more appealing to fitness enthusiasts, especially those that go through a lot of clothes or shoes (I go through 2-3 pairs of shoes in a normal marathon training program). It helps as well that you can still go through a shopping portal to earn bonuses through there as well (though some have language about not potentially paying out when using smart wallets so keep that in mind).

    Does this make the Apple Card more appealing now? Certainly to a few, I’m sure, but not overall. What I do find appealing is that Apple is adding more and more vendors to this list. This works out great with their occasional promotions when using Apple Pay as well (like they have had with Nike in the past). So, if you do have an Apple Card and are a fitness enthusiast, the Apple Card should now be the one you use for Nike purchases!

    Some of the links on Running with Miles are affiliate links that pay a commission if a purchase is made. Running with Miles is a participant apple card cash back nike the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

    Источник: https://runningwithmiles.boardingarea.com/the-apple-card-adds-nike-as-a-3-earning-partner/

    Apple has recently opened up its Cash-Back program for all payments to Nike via Apple Pay and the Apple card, meaning that Apple users will receive a 3% cash-back rate for all purchases made at Nike stores, Nike.com, SNKRS, Nike Training Club, Nike Running Club, and the official Nike app.

    Consumers can instantly use the newly acquired Daily Cash funds for other purchases, send to friends or family, or put towards their balance. It was initially intended for only Apple-related purchases with 3% back, Apple Pay transactions with 2%, and transactions made with the physical card with one percent back, but Apple decided to open up its program to other retailers.
    Nike is the most recent retailer Apple agreed to partner with, following Uber and Uber Eats on the Apple Card’s launch day, and will continue to extend the 3% Daily Cash program to more merchants.

    Источник: http://www.somewhere-magazine.com/get-3-cash-back-via-apple-pay-and-apple-card-while-shopping-at-nike/

    Apple Card Review – Does It Live Up to the Hype?

    Apple Card immodestly claims to “completely [rethink] everything about the credit card.” Is it correct? Maybe.

    Backed by the Mastercard network, Apple Card certainly has a host of innovative features that old-fashioned credit cards don’t, such as daily cash back and numberless physical cards. And it’s a harbinger of the cashless, contactless payments landscape to come. No serious observer can dispute that Apple Card is ahead of its time.

    But any product that’s truly ahead of its time must also be competitive in the present. And beyond its novel features, Apple Card works pretty much like any other credit card. Indeed, in spite — or perhaps because — of its novel additions, it lacks some consumer-friendly features common to other popular cash-back cards and general-purpose rewards cards.

    Here’s a closer look at what sets Apple Card apart, and how it stacks up against the best credit cards on the market.

    Things to Keep in Mind About the Apple Credit Card

    Before we dive into Apple Card’s details, three points bear mentioning.

    First, although cardholders who don’t pay their statement balances in full each month are subject to interest charges that vary with their creditworthiness and prevailing benchmark rates, Apple Card charges none of the fees typically levied by credit card companies: no annual fee, no late fee, and no over-limit fee.

    Second, Apple Card is designed to work with Apple Pay, which runs on Apple (Mac) hardware only. If you’re one of the many millions of iPhone users in the United States, this card is for you. If you’re an Android loyalist, you’re out of luck.

    Third, Apple Card has a slightly unorthodox application process that doesn’t impact your credit score until you’ve accepted the offer (if approved). If you decide not to follow through with getting an Apple Card after applying, or your application isn’t approved, your credit score won’t decline as a result of your inquiry.


    Key Features

    Here’s a closer look at Apple Card’s most notable features.

    Earning Cash Back

    Apple Card has a three-tiered cash-back program:

    • 3% Cash Back. All purchases from Apple earn unlimited 3% cash back. These include, but are not limited to, purchases from Apple.com, physical Apple Stores, the iTunes Store, the App Store, and in-app purchases. Certain non-Apple purchases made using Apple Pay earn 3% cash-back rewards as well.
    • 2% Cash Back. All other purchases made using Apple Pay (including through your Apple phone or Apple Watch) earn unlimited 2% cash back. Hundreds of major retailer chains and brands, encompassing more than 2 million individual merchant locations online and off, accept Apple Pay. These include but aren’t limited to Walgreens, Nike, Uber Eats, Duane Reade, Amazon, and thousands of gas apple card cash back nike. If you’re not familiar with how Apple Pay works, see Apple’s site for details.
    • 1% Cash Back. Purchases — online, offline, and in-app — made with merchants that don’t accept Apple Pay earn an unlimited 1% cash back.

    Redeeming Cash Back

    Cash back earned through Apple Card purchases accrues daily. Each day a purchase posts to your account, you’ll receive the requisite cash back on your Apple Pay Cash card in the Apple Wallet app.

    From there, you can use it to pay for purchases within or without the Apple ecosystem or to make payments on your Apple Card balance.

    If you don’t have an Apple Pay Cash card and aren’t interested in getting one, you must accept cash back earned to your Apple Card via statement credits, which may not be much of a sacrifice.

    Apple Pay Integration

    Apple Card is essentially an offshoot of Apple Wallet and Apple Cash. It’s designed for use in conjunction with Apple Pay — or, more specifically, as the user’s default Apple Pay payment method. Apple clearly expects most Apple Card transactions to be contactless, executed through a Web portal or with the tap of an iPhone.

    Beyond Apple Card’s novelty as a truly “contactless first” credit card, users benefit from Apple Pay’s stringent security features. These include:

    • Unique Device Number. Your Apple Card is issued with a unique number that’s stored in your iPhone’s Secure Element, the secure microchip that hosts the phone’s most sensitive functions.
    • Two-Factor Purchasing. Every purchase requires your unique device number, plus a unique one-time code generated on the spot.
    • Purchase Authorization Via Face ID or Touch ID. This renders stolen phones all but useless for making purchases.

    Apple Card also takes data security seriously. Apple and Goldman Sachs, the card’s issuer, vow never to share customer data with third parties. Only Goldman Sachs has access to users’ transaction histories and personal information.

    Physical Credit Card

    Apple Card isn’t 100% virtual. The physical Apple Card is a titanium card that looks and feels just like any other premium credit card, except that it’s much sleeker. The card face is a minimalist triumph, with no cardholder name, card number, or CVV and virtually no marks to mar its metallic hue.

    Apple and Goldman Sachs tout the security benefits of Apple Card’s featurelessness. Without any information to identify the card, it’s useless in the wrong hands.

    Real-Time Fraud Protection

    Apple Card’s real-time fraud protection feature notifies you every time your card is used to make a purchase. If something doesn’t seem right about a transaction, or you know for a fact that you didn’t make it, you can immediately initiate the dispute process by tapping the notification.

    Purchase Organization and Mapping

    Apple Card automatically apple card cash back nike purchases by purchase category — entertainment, food and drinks, and so on — and by merchant. Categories are color-coded for easy visualization and totaled monthly for easy budgeting. With features like that, who needs a paid budgeting app?

    Apple Card also automatically maps purchases, showing you where you’ve spent money recently, literally. If a real-time fraud protection notification slips your notice, seeing a purchase in a city you’ve never visited will catch your attention.

    Spending Summaries

    Apple Card’s spending summaries, visible in the Wallet app, reveal how much you’re spending, and on what, in any given week or month. You can view spending trends over time here too, which comes in handy for the periodic budget reviews you should be doing.

    Payment Due Dates and Frequency

    By default, Apple Card statements are due at the end of the month. If you prefer to apple card cash back nike balances more frequently — and reduce interest charges when you can’t pay off your balance in full before the statement due date — you can set weekly or biweekly payments too.

    Interest Calculator

    Apple Card’s built-in interest calculator automatically tallies expected interest charges when you pay less than the full balance due on your card before the end of the grace period.

    Credit card issuers are required to reveal on each statement the true cost of making only the minimum payment due in comparison with at least one larger monthly payment.

    However, this is a far more robust and interactive interest calculator that’s significantly more likely to nudge you to boost your monthly payment.

    Interest-Reduction Suggestions

    If the interest calculator isn’t enough, Apple Card also provides “smart payment suggestions” that encourage cardholders to increase their monthly payments, thereby decreasing their total interest liability.

    It’s not clear how Apple Card arrives at these suggestions, but they appear to be based on cardholders’ spending patterns and payment history.

    Interest-Free Installment Payments

    Apple Card offers interest-free monthly installment payments for select Apple products purchased through the company’s sales channels. You can easily see the size of your installments and how much you have left to pay in the app.

    Text-Based Support

    Apple Card has a text-based support system that’s available 24/7. If you run into an issue with the card or have a question that doesn’t concern a disputed charge — which you can handle through the real-time fraud protection interface — this is your ticket to a resolution.

    Important Fees

    Apple Card charges no fees to cardholders: no foreign transaction fees, balance transfer fees, or annual fees.


    Advantages

    These are among Apple Card’s principal advantages.

    1. No Fees

    Apple Card doesn’t charge any fees to cardholders. This makes it all but unique, as even avowedly low-fee cards assess fees for less common occurrences such as late and returned payments.

    2. Cash Back Accrues Daily

    Apple Card is among the only widely available credit cards to accrue cash back on a daily apple card cash back nike, rather than at the end of the statement cycle.

    Although the accrual frequency doesn’t affect net cash-back earnings or cash-back earning rates, it’s certainly nice to see your spending subsidized in near-real-time.

    3. Solid Cash Back Rates on Apple and Apple Pay Purchases

    This card earns 3% cash back on virtually all purchases within the Apple ecosystem, excluding purchases with Apple Pay merchants. This 3% category covers, but isn’t limited to, the following:

    • Apple.com purchases
    • Purchases at physical Apple Stores
    • iTunes Store purchases
    • App Store purchases
    • In-app purchases

    Apple Card also earns 2% cash back on purchases made with Apple Pay merchants. So if you’re able to limit your spending to the Apple and Apple Pay ecosystems, you’ll net somewhere north of 2% cash back on this no-annual-fee card, depending on your exact spending mix.

    4. Above-Average Security Features

    Apple Card is more secure than your average credit card. The physical card doesn’t have a card number or CVV, so you won’t have to worry about what could happen between the moment you lose your card and the moment you freeze your account.

    The virtual card is denoted by a unique device number (basically a second, ever-changing credit card number) locked away in your iPhone’s Secure Element, far from prying eyes.

    Perhaps most consequentially, Apple has a strict privacy policy that forbids data sharing with third parties. There’s no need to opt out, which is often easier said than done, and only Goldman Sachs has access to your transaction history.

    5. Real-Time Fraud Protection

    Apple Card has another security feature worth touting: real-time fraud protection that alerts you whenever your card is used to make a purchase and lets you flag potentially fraudulent transactions with apple card cash back nike single tap.

    Compared with the traditional dispute resolution process, this is a snap, even when flagged charges turn out to be legitimate.

    6. Easy, Flexible Payments

    Apple Card’s default payment due date — the last day of the month — is easy to remember, even without the helpful reminders.

    If you’re trying to budget on an irregular income and prefer not to wait until the end of the month to pay off your entire balance, Apple Card’s customized weekly and biweekly payment intervals have you covered.

    Other credit cards let you pay off balances throughout on a check what is account number month, but few make it as easy as Apple Card.

    7. Interest-Reduction Features

    Apple Card’s interest calculator and interest-reduction suggestions are classic examples of “nudge” theory in action. By revealing just how much you’ll save over time by paying a little more upfront, these features nudge you to make smart financial decisions.

    Of course, it’s always best to pay off your balance in full by the statement due date, but when unexpected expenses make that impossible, it’s nice to feel like your credit card issuer is on your side.

    8. Useful Budgeting and Spending Control Features

    With so many budgeting and spending control features, Apple Card feels like a personal budgeting suite with a spending aid built in.

    Maybe that’s the point. Although most small-business credit cards have basic expense tracking and reporting features, Apple Card’s package is unusually robust for a consumer credit card.

    If what’s keeping you from building and sticking to a household budget is the inconvenience inherent in standalone budgeting software, this is a potential game-changer.

    9. Text-Based Customer Support

    Apple Card’s text-based customer support is a low-friction alternative to menu-laden, over-automated phone support and unpredictable email support.

    Whether this feature is as efficient as Apple and Goldman Sachs promise remains to be seen, but it’s difficult to see it being worse than the status quo — for relatively simple issues, at least.

    10. No Penalty Interest Charges

    Apple Card doesn’t charge penalty interest. While it’s best never to find yourself in a position where penalty interest would apply, the assurance that you won’t be unduly penalized for a lapse beyond your control is certainly welcome.


    Disadvantages

    Consider these potential disadvantages before applying for Apple Card.

    1. Requires Apple Pay and Apple Hardware

    Apple Card’s biggest drawback is its exclusivity. The card requires Apple Pay, which runs exclusively on Apple hardware, meaning it’s not appropriate for Android or Windows device users.

    If you’re set on applying for Apple Card but don’t have an iPhone or other compatible Apple device, Apple Watch is your most cost-effective option. Apple Pay runs on Apple Watch just fine, and you can pick up refurbished older versions — Series 1, 2, and 3 — for less than $100.

    That’s still a significant outlay, though, and no other credit card on the market requires compatible hardware.

    2. Only 1% Cash Back on Non-Apple Pay Purchases

    Apple Card earns just 1% cash back on non-Apple Pay purchases. If your daily, weekly, and monthly consumption habits involve merchants that mostly accept Apple Pay, you shouldn’t have trouble earning the higher 2% cash-back rate, but not all merchants do.

    Square has a non-exhaustive list of major merchants that do accept Apple Pay. Do yourself a favor and review it before applying for this card.

    3. Goldman Sachs’ First Credit Card

    Apple Card is the first consumer credit card issued by Goldman Sachs Bank. Apple touts this as an advantage, arguing that Goldman Sachs isn’t bound by the constraints of legacy credit card issuers such as Chase and Barclays.

    And it’s not as if City of south gate business license Sachs is entirely new to the consumer finance realm. Its Marcus by Goldman Sachs loan and savings products are innovative and well-liked.

    That said, it’s not hard to imagine a first-time credit card issuer experiencing some growing pains, especially given Apple Card’s novelty. At a minimum, don’t be surprised to see iterative changes to Apple Card as Goldman Sachs figures out what works and what doesn’t.

    4. No Sign-Up Bonus

    Apple Card doesn’t have a sign-up bonus. While this is subject to change at any time in the future, it’s worth noting in the here and now. Many competing cards, including popular cash-back cards, either offer bonuses for early spending or intro APR periods for purchases or balance transfers (or both).


    Final Word

    If you’re a committed Apple Pay user with the hardware to back it up — an iPhone, Apple Watch, or maybe an iPad — then it might make sense for you to ditch your traditional credit cards and go all-in on Apple Card.

    Users who restrict their spending only to Apple Pay merchants stand to earn 2% cash back across the board, about as good as it gets on a consistent basis for premium cash-back credit cards. To do better than that, you’ll need to upgrade to a premium travel rewards credit card with a hefty annual fee.

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    Источник: https://www.moneycrashers.com/apple-card-review/