Update 2024.10: The $100 offer has expired. The $75 offer is still on.
Update 2024.8: There is a $100 offer now.
Update 2024.1: The $75 offer has expired. There is no welcome offer at the moment.
Application link
Features
- $75 Offer: Earn $75 after making a purchase in the first 30 days. The best recent deal is $100.
- Earn 3% cashback on Apple, 3% cashback on select merchants via Apple Pay, earn 2% cashback everywhere via Apple Pay, and earn 1% cashback everywhere else. The list of 3% traders is:
- Exxon/Mobil
- Uber and UberEATS
- Walgreens
- Duane Read
- Nike
- T-Mobile Store
- Apply on iOS devices for map. After that, you can apply for a physical card. The physical card is manufactured by Titanium. There is no card number, CVV, expiration date, or signature on the physical card. If you need a card number, you can get a virtual number in the Wallet app on iOS devices.
- You only enter the last 4 digits of your SSN when you apply. Goldman Sachs is the card issuer and will first give you a decision regarding the credit limit and APR, then let you decide whether to proceed or not. If you choose not to continue or if your request is denied, there will be no hard pull (HP). There will be HP only after you go ahead and complete the whole process.
- No foreign transaction fees.
- No annual fees.
Disadvantages
- The signup bonus is low.
Summary
This is an attempt by Apple to challenge the current credit card market. It has deep integration with iOS devices. Compared to the payoff structure of this card compared to other cards, it’s okay but not great. You can get 2% cash back at most locations through Apple Pay. For people who want to maximize their credit card rewards, this card is not for you. But the card looks fancy, and maybe the Apple logo is reason enough for some people to have it.
Historical Offers Chart
Application link
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