Earlier than the Apple Card got here out, rumors swirled that Apple would make its personal bank card. Lots of people laughed on the concept, pondering it was ridiculous. I used to be initially a kind of individuals, however when the Apple Card got here out in August 2019, I used to be intrigued. I definitely didn’t want one other bank card, however I preferred the thought of getting a card that has tight integration with the Pockets app on my iPhone.

There are lots of of choices on the planet of bank cards. For a lot of, the Apple Card shouldn’t be top-of-the-line bank cards by way of rewards and advantages, however since I obtained mine in 2019, it stays my favourite and most-used card — right here’s why.

No financial institution can match the Apple Card’s software program

Christian de Looper/Digital Tendencies

I discussed it briefly already, however one of many greatest causes I wished the Apple Card was its direct integration with the Pockets app on iOS. Different bank cards require you to have or make an account with the related financial institution after which obtain the financial institution’s app in your machine to view all your transactions and pay your invoice on-line. Let’s face it — the consumer expertise and interface for these apps are often suboptimal, to say the least.

As a substitute of getting a separate app, all your Apple Card data is discovered instantly within the Pockets app. In actual fact, that’s even the way you apply for an Apple Card, and the method is extremely easy. After getting your Apple Card, simply faucet on it within the Pockets app to view all your card’s particulars, from the cardboard stability, subsequent fee, and newest transactions — it’s all there, specified by an organized and aesthetically pleasing means. I additionally love the truth that service provider names are plain and easy, not some jumbled-up service provider code, and there are even firm logos to make it even simpler to see at-a-glance.


One other factor I get pleasure from concerning the Apple Card Pockets interface is that you may not solely see your present stability, however how a lot of your credit score line remains to be out there, weekly/month-to-month/yearly exercise, how a lot Day by day Money you’ve earned, and when your subsequent upcoming fee can be (you probably have autopay arrange). There’s even search performance when you’re in search of a particular transaction.

I additionally love seeing the digital Apple Card change colours in your Pockets to replicate your purchases, and as soon as your complete stability is paid off, it turns into white once more so that you can begin anew. Nevertheless, evidently my card is at all times a everlasting mixture of orange (meals and drinks) and yellow (purchasing), with a splash of pink (leisure) and purple (companies).

Having all of this built-in into the Pockets app, with no need a separate obtain, is simply icing on the cake. I want I might have this sort of interface with all of my different playing cards in my Pockets app.

Useless easy assertion closing and fee due dates

Christine Romero-Chan / Digital Tendencies

One factor that I by no means preferred about my different bank cards is all of the totally different dates I’ve for my assertion closing and when my funds are due. I begin to bear in mind the dates after some time, nevertheless it’s nonetheless lots to maintain up with — and usually not defined in addition to it might.

That is one other space the place the Apple Card excels. The assertion closes on the finish of a calendar month, and you’ve got till the top of the following month to make your fee earlier than accruing curiosity. Sometimes, bank cards offer you about three weeks to pay, so Apple Card really has an extended grace interval so that you can make your fee.

This doesn’t have an effect on me an excessive amount of since I simply have it on autopay earlier than the due date, nevertheless it does give me time to be ready when that enormous fee is taken out of my checking account. I also can see this longer fee grace interval being useful to somebody who might have to verify they’ve sufficient to repay their stability, as a result of, you already know, typically stuff occurs.

I simply love how straightforward it’s to recollect — use the Apple Card from the first of the month to the thirtieth, then you definately get till the thirtieth of the following month to pay that stability. I want it was as straightforward to recollect when all my different bank card statements closed out and when the fee is due (they’re in every single place).

Day by day Money is so good and so easy

Jackie Dove/Digital Tendencies

After I obtained my Apple Card, I made a decision to exchange my debit card as my main type of fee for many conditions. And as somebody who prefers to make use of Apple Pay over bodily playing cards, getting 2% Day by day Money for each Apple Pay buy was a no brainer for me (except certainly one of my different playing cards offers a greater reward).

And as somebody who buys merchandise instantly from Apple, in addition to subscribes to some digital companies like Apple One, the three% Day by day Money reward for that has been good. Even when you choose to do Apple Card month-to-month installments or purchase an iPhone via the iPhone Improve Program utilizing your Apple Card, you continue to get 3%.

You additionally get a titanium bodily Apple Card, which nets you 1% when you use the bodily card and even simply use your card quantity for on-line purchases. Once more, the cash-back rewards aren’t nice in comparison with different playing cards on the market, however I do love that I get that money instantly, quite than ready till the top of the month.

I used to make use of my Day by day Money rewards to make my fee smaller, however now I form of simply hoard it for a number of small enjoyable purchases or one greater buy. And with Apple bringing a financial savings account someday sooner or later, there can be extra of a motive to simply hoard these Day by day Money rewards in my Apple Money card.

Superior Fraud Safety offers me peace of thoughts

Christine Romero-Chan / Digital Tendencies

This can be a kind of options that flew underneath the radar for most individuals in iOS 15, nevertheless it launched a brand new safety characteristic for Apple Card customers referred to as Superior Fraud Safety. When this little characteristic is enabled, it should constantly change the safety code (CVV) quantity related together with your Apple Card. Although it’s not explicitly said how usually it modifications, it seems no less than each few days.

With Superior Fraud Safety, even when somebody occurs to get their fingers in your Apple Card data, as a result of the CVV modifications, they received’t be capable to use it. And when you’re anxious about recurring subscriptions together with your Apple Card, fret not! The altering CVV doesn’t mess together with your subscriptions and different recurring funds as a result of the CVV shouldn’t be required after the preliminary fee.

The bodily Apple Card additionally doesn’t have any card numbers on it, which I like. Paired with Superior Fraud Safety, the Apple Card is about as safe because it will get.

Heaps to like about Apple Card

I’m not saying Apple Card is one of the best bank card as a result of it definitely isn’t. There are many nice bank cards on the market, and you’ll find some actually good ones with a lot increased rewards.

However for my wants, Apple Card is fairly ample. I exploit Apple Pay every time I can on my iPhone 14 Professional, I purchase fairly a bit from Apple Shops and subscribe to companies, and I identical to an awesome UX for seeing the place my cash goes. For me, Apple Card continues to be my favourite solution to pay for issues.

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