The Apple Card
Gavin Long
Apple is a company that pretty much is known by everyone. Whether you are a businessman with a Macbook or a teenager chatting on their phone, almost everyone uses an Apple product a day. Also, many people use Samsung products. According to Verto Samsung vs Apple, “Over 89.3 million people use Apple, whereas 61.5 million use Samsung. Apple has made many great products from Iphones to Macbooks to the more recently released Apple Card in 2019. I want to make it clear that the Apple Card is not Apple Pay. However, Apple Pay is interconnected with Apple Cards. They are made of a titanium metal that has your name laser-engraved on it. Here is an example image of one.
Seems pretty cool, right? You get a fancy, metal, credit card with your name on it. You get a number of benefits too. 3% on purchases made directly from Apple, 2% when you use the digital Apple Pay and 1% when you use your physical card. It's pretty neat the whole 3,2,1 idea. However, you get the highest amount of cash back for only Apple purchases. It's nice when you use it a couple times. But, how often do you need to buy an Apple product? People buy a new Iphone every 3-6 years. Occasionally you will purchase an Ipad for school or a pair of Airpods for entertainment. That is only about 3 purchases every once in a while. This compares to other companies and their benefits. For example, the PayPal Cash Back gives you 2% on any purchase.
I stated earlier that there are still a large number of people in the world who use Samsung devices which are unable to use the Apple Card and Apple Pay. You are required to have an Apple Iphone to use this card and get these benefits. Is this Apple Card really worth it? When you only get the maximum amount of cash back through only Apple products, is it worth it? Or would you rather stick with a different card and get a better rewards system that branches out to different technology brands and companies?
Sources
Hwong, Connie. “Apple, Samsung, and U.S. Smartphone Market Share.” Verto Analytics, Verto Analytics, 21 Feb. 2018, vertoanalytics.com/chart-week-samsung-vs-apple-owns-smartphone-market/.
Ashley Anderson - This was a really interesting post! I have heard of Apple Cards before, but I never really actually knew what they were. After additional research, I also found that as of March 2020, "3.1 million Americans hold the Apple Card." That's a lot of people! I know that you mentioned there are a lot of benefits to choosing the Apple Card over other Cards, but what might be the risks for such a card? Apple specializes mostly in technology and not credit cards. Do you think this could pose a risk for the people using the Apple Card? The other thing you mentioned is that the Apple Card is not interconnected with Apple Pay. This appears to be an inconvenience among Apple users, so it's odd that the two are not interconnected. Whatsoever, you did a really good job explaining what the Apple Card is along with its benefits. Most likely, with the progression of technology, the Apple Card will be used by many more people in the future!
ReplyDeleteThis is a very interesting post as I believe in the future a lot more people are going to be using the Apple Card because there will be more Apple users. The chart of all of the cards was very interesting as well because the Apple Card didn't really stand out as much as I was expecting, like usually Apple always tries to stand out as much as possible. Anyways, this was a great blog post!
ReplyDeleteIt does seem a little deceiving for Apple to this 3,2,1 cash back system as like you said, not many people are multiple Apple products everyday. From the graph, the card doesn't have that many benefits compared to its competitors. Which give me a sense that this card isn't really worth it. In the end, I see what they're trying to do and giving some semblance of a reward system for all of their consumers.
ReplyDeleteThis was a great post! I have never heard of apple cards before and wish i could get my hands on one but simple cannot due to me having a Samsung. I see only one downfall in this apple card, and that would be that having only apple users, use it would be bad for there company because they wouldn't get all the money they an from the people and only from apple users. On the other hand I hope that the apple card goes a long way!
ReplyDeleteI appreciate your comment on this post. I agree with it being an issue that only Apple users may use it. Hopefully in the long run Apple and Samsung can come to an agreement of some sort. Is there anyway that Android/Samsung users can do payment online or through their own card?
DeleteI never really knew that the Apple Card existed. So it was really interesting to learn about something new! Although I think that this Apple Card overall wouldn't be very beneficial because as you pointed out, you really only buy apple products every 3-6 years. Which with that factor, it is totally not worth it in the long run. You do get 3% rewards but other than that I don't see this card really being the best idea. If there were more benefits and features, maybe I'd think differently but I really think that the apple card doesn't bring much to the table. Overall, awesome job explaining the some of the pro and cons of this apple card!
ReplyDeleteI really liked how you did a different topic that isn't really talked about as much. I didn't even know an apple card existed, but I think it's a very interesting idea. Overall, I don't think I would use one but I do really like the 3,2,1 idea with percents and also how many people actually use apple products compared to Samsung. In terms of your writing I thought it was very well organized, and I liked that you asked questions at the beginning and end to keep the reader engaged. Good job!
ReplyDeleteI have never heard of an Apple Card before, I have heard of Apple Pay. After reading this I really want an Apple Card. I love apple, I have everything in apple & I love it. The card looks so different from others, & simple. I'm shocked that I've never heard of these or seen them before.
ReplyDeleteThis seems pretty interesting as Apple has done many things that has surprised a lot of people. But for some reason this Apple Card doesn't shock me one bit. As I was expecting Apple to do something like this before. Apple isn't a straight up bank so Im not surprised this card isn't to popular at the moment. I would much rather go to an actual bank for a card because then I would be able to use that card for anything, uncluded apple products. But other than that I hope this card can go a long way and start something new for Apple.
ReplyDeleteI've heard of the Apple card when it first came out, then I kinda forgot about it. Back then I thought it was going to be super popular. That's because if something is made by Apple, everyone seems to want to buy it. But here we are in early 2021, and I dont think ive ever seen one in person. And that's for a good reason, it doesn't make sense! Yes, you get a pretty good amount of cash back but that's only buying through Apple. I don't blame Apple for encouraging its customers to buy through them. And the cash back is just so low on the things you would actually buy every day. I think this card is cool, but its only for certain people who actually need to make those apple purchases for a business or something. This is why i'm going to stick with a normal card.
ReplyDeleteI have always heard of Apple Pay but never the Apple Card so this was an interesting read since I had no prior knowledge. I think apple is a very successful company, and that is clearly displayed with their sales and by how many people actually use apple products. Personally for me, I would see no real purpose to get any Apple Card since I already have a bank and cards for myself. It seems from your article you can only benefit from an Apple Card when buying apple products and or the other 1 and 2% from the card and digital. So I would most likely pick another card like Chase or Citi before choosing apple. But thanks to your article I was able to get a better understanding of the Apple Card and I really liked the graphs and charts on your blog, they helped push your blog the extra mile and gave people something other then text which held your information. Overall I think the Apple Card is going to do relatively well for individuals that love to buy apple products, but doesn’t really have any major purpose for the average consumer. Nice Blog!
ReplyDeleteI really like the topic you chose for your post. I have heard of apple cards in the past, but honestly never really knew what they were. With all of the new products apple offers, it can get confusing. Like most Apple products, only people with Apple products can use it. This isn’t shocking, and while most people do have Apple products, only marketing something to a specific quantity of people could make the Apple card unsuccessful. Anyways, me being an owner of an Apple product, the card does intrigue me and it sounds like something I would want to try.
ReplyDeleteI thought this was interesting and different compared to other blog posts. The card does seem cool but i don't think it would be better than other credit cards because it works best with only apple products, which people don't buy often.
ReplyDeletePersonally I do not believe the Apple card is worth it. Their benefits are the best when it comes to buying their products...obviously. Other cards provide benefits for purchases that are not specific to any restraint. Until the Apple Card can show some benefits outside of their apple realm, then I can see myself using their card. It is convenient when it comes to using it with your phone. The App for the card makes it very easy to track your spending and budget as well which a lot of cards cannot offer.
ReplyDeleteI thought that this was a very interesting blog topic. I have never heard of apple cards, and if I have, my experience has been very limited. I think that the world is going fully online and apple is one of the companies that is leading that charge which means for us as citizens, it is helpful for us to know about different products apple offers.
ReplyDeleteI did not even know that apple cards were a thing. Knowing about these benefits are very convincing to go get an apple card. Personally, I would stick with a regular debit card rather than this. My reasoning is to just stick with the basics instead of going through other businesses or large companies.
ReplyDeleteI like how you had a comparison between the Apple card and the PayPal card. The table comparing cards was also very helpful. I think that when choosing a credit card, it really depends on what your life is like and it will be different for everyone. Someone who uses a lot of apple products might find this card useful, but as you mentioned, you don’t buy too many apple products on a routine basis. The only reason I can think of for using this card would be if you are very loyal to the apple brand. In that case, you might want every apple product that you can get, even their credit card even if it doesn’t benefit you as much as other credit cards.
ReplyDeleteI had no idea that apple cards were a thing, I knew about apple pay and have used it before. I don't think that getting an apple card would be something that I would be interested in and the main reasoning being you only get the maximum amount of cash back when buying an apple product. No matter how wealthy you are there is only so much need for iphones and ipads. Once you buy an apple product like an iphone it will be a few years before you go back for another one. I just think that if you were going to sign up for a card there is better options with more benefits. Is the apple card something you would get?
ReplyDeleteI enjoy your feedback on this post. I agree with what you said and I said about buying an Apple product every few years. You would be getting a little bit of cash back every few years which is different compared to other card brands that I had in my visual chart. What kind of debit/credit card do you have and how many points or cash back do you get?
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ReplyDeleteI am not familiar with the apple card but you did great explaining it. I was unaware companies can increase benefit percentages based on what they buy, more specifically, their own products. The 3,2,1 idea is very interesting but it seems that other card brands are more reliable, as you don't have to own an apple product to own a card. This card seems like something a loyal apple customer would buy but not the average person. I think apple pay is a great idea and very convenient but it does not seem to be the same for the apple card.
ReplyDeleteI've been seeing and hearing about the apple cards a lot lately and they are certainly intriguing, credit cards are all different and I have recently been seeing in Apples advertisements that you may even get up to 6% cash back on purchases from apple. Have you seen this? I get slightly confused by all of the cash back ins and outs but for me, I use apple pay in my every day life so getting 2% cash back every time I do this sounds pretty sweet. It is important to remember however that, yes while you get cash back you still have to use the credit card and spend money to get it. So, while this is enticing at first I can see where this would lead to overspending on certain things.
ReplyDeletePersonally with the evidence you provided here I do not think that the apple card is worth it. If your only getting cash back on apple products, which I do not buy often I don't think it is needed considering I only really need 3 different apple products being a phone ear buds, and a computer things Ill buy every couple of years so personally I don't think it's worth it
ReplyDeleteI did not know that there was an apple card and the only apple product I have is an Ipad. What if samsung were to make a card like this.
ReplyDeleteThis is an incredibly informative blog post that is relevant to students as we are getting close to the age of being able to get a credit card and start building credit. I really like the visual you provided comparing the most common credit cards with their benefits and almost statistics. In my opinion, I would opt for a more well rounded card as the one Apple provides does have its uses, and is also free, so I think they are good but also limited. Would you rather have a free card with limited benefits, or pay a small premium for more benefits?
ReplyDeleteI didn’t know that much about the Apple Card until reading this. I guess it’s a really cool thing to have, a titanium card that has your name laser engraved on it is pretty sick but there’s really no big use out of them. You get 3% of the purchases when you make an Apple purchase. Like you mentioned before, I don’t think people are buying Apple products that often. Plus, when you use the actual Apple card, you have to enter the credit card you want to use in order for the card to work. In my opinion, I don’t think it’s worth it and I don’t really see a use for it.
ReplyDeleteI never knew that there was a apple card only thought there was apple pay it was good that you also showed the differences between the different cards as well and just only explaining them so we could have the full grasp on the picture of the differences in the cards like from apple pay to paypal card as well is the apple card worth it?
ReplyDeleteI did not know much about the apple card before reading this. THis post really enlightened me. I knew and have seen others use it. This post helped with growing my knowledge like that part of “Over 89.3 million people use Apple, whereas 61.5 million use Samsung. Apple has made many great products from Iphones to Macbooks to the more recently released Apple Card in 2019. I want to make it clear that the Apple Card is not Apple Pay. However, Apple Pay is interconnected with Apple Cards. They are made of a titanium metal that has your name laser-engraved on it. Here is an example image of one.” This really opened my eyes to how big apple really is. But Later on reading I do not think that apple is really worth banking with. Overall, I would rather trust apple with making phones and tech in that area then with my money and keeping it safe. Great Job!
ReplyDeleteBefore reading this I had no clue that their was a apple card. Now that I know about this I might have to use this later in my life because I use apple products and it seems like a great card. I like went in detail about the cash back from having the card because it gives more insight into why the apple card is good. Another thing that I liked about you post was how you had the graphic at the bottom comparing all of the cards and it seems like the Apple card is one of the best if not the best card to have because of all of the different benefits that are offered from the card. Overall, I thought that you did a great job explaining the Apple card and I feel like I could actually use this card in the future.
ReplyDeleteBefore reading your blog, I had no idea that the apple card even existed! I think this was a very interesting topic to learn about because it made me think of all the benefits that I could receive on my new apple products while using this card. I also think that their "3,2,1" plan is smart because you're getting interest back. This would be something i would totally want to look into further after reading your blog.
ReplyDeleteConsidering no fees and the ability to register more than one card from a single issuer, setting up an Apple card would definitely be worth it. With the increasing prices of technology, 2% or 3% might mean that you can grab an extra accessory (screen protector, pen, case, keyboard cover) for free. Since you can tie it to your phone, you don't necessarily have to keep it on you, but rather a secure location
ReplyDeleteI found this so interesting, I had no idea an apple card was a thing before so this was new information to me. I find it interesting how they can provide benefits for the purchase of their products as well, so if you purchase a lot of apple products it may make sense to get their card so you can save a lot of money. I'm also glad you included that visual so we can compare it to other cards and determine which card may be the best fit for us!
ReplyDeleteI didn't think that there were this many differences between not just the Apple card, but all credit cards. The chart definitely helped, along with your explanation.
ReplyDeleteI've heard about the Apple card before, but I never knew any details about it. Obviously, you're going to get more benefits when you buy Apple products. If you buy a considerable amount of Apple products, then it would probably be worth it, especially the fact that there are no fees. It is a luxury that comes with having an iPhone, but if you wanted to switch from a Samsung to an Apple for the sole purpose of getting a card, I wouldn't waste your time.
ReplyDeleteI don't use Apple Pay, but this could be a cool option for those that mainly purchase Apple products.
ReplyDeleteI like that you clearly showed the differences and similarities between the different cards with the chart. I also liked that you didn't make a decision for or against any of the cards, and let the reader decide what was best for them. I don't think I would use the Apple Card over a normal credit card, but it's an interesting idea.
ReplyDeleteThe Apple Card seems like another profit circle, where Apple makes money on already selling phones for cheap, much cheaper than they make them for. It seems like it would only be worth it for someone who is already buying a ton of stuff from them.
ReplyDeletePersonally I would not use the Apple Card. As you mentioned, you only get rewards from purchasing Apple products, which is done very infrequently since the products are expensive, while other credit card providers have many other rewards for products that are more commonly bought. In the end, I feel like you would be spending more money using the Apple Card than another credit card.
ReplyDeleteThis is a very controversial idea, while I may not use the Apple Card, I know that there defiantly people who will. To me it just seems like another way for Apple to trick people into giving them more money. If you only get rewards for purchasing Apple products, it'll cause people to buy more Apple products to get these rewards which are cheaper than the Apple products they bought. Interesting topic though, and great blog!
ReplyDeleteI really really like this topic idea. This is something I had never heard of before and I'm really glad I read your post to learn more about it. The Apple Card will definitely be something that is a huge product for Apple in the future. I'm not sure I would personally use it since you can only get the benefits from purchasing Apple products but I think the benefits from these purchases are really great. Great job!
ReplyDeleteThis Apple Card sounds like the way of the future. However I think we need to be wary of allowing Apple to get in on the credit card business as well because they currently have a lot of money and power with their current setup. We must not allow them to become too big like the trusts of the past.
ReplyDeleteI don't think that I'm a person who would ever be interested in an apple card, because I feel as if the only real benefit an apple card provides would be savings on apple products, as that seems to be the only feature that's especially unique to the apple card. However, I could see it being beneficial to someone who is constantly buying new apple products. Also, I don't think that apple getting into the banking world is a great thing, because I feel as if they could turn it into something more malicious in the future. For example, maybe they could only allow apple products to be purchased with apple cards, once they feel as if enough people have them. Do you think something like that is possible? Do you think apple would ever do something malicious with the apple card?
ReplyDeleteI would say that this post was helpful, it really put into perspective the upsides and downsides of having an Apple Card. When they first came out I remember really wanting one, for their slick design and benefits with Apple Pay, something that I use a lot. But now seeing this post I’ve been reminded of the not so good benefit of getting the most cash back when only buying apple products, which I don't buy much of frequently. I don't think that this card is worth the attention it got and I think it would be best to just get a traditional credit or debit card from your bank and get much more benefits!
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