Apple Card

A new kind of credit card from Apple

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#5 Product of the WeekMarch 25, 2019
+1
Apple Card is built into the Apple Wallet app on iPhone, offering customers a familiar experience with Apple Pay and the ability to manage their card right on iPhone.
Reviews
  • Pros: 

    No selling of transaction data

    Cons: 

    Backed by Goldman Sachs, which has an extensive history of unethical practices

    Join a credit union that supports Apple Pay instead.

    Jeremiah Lee has never used this product.
  • Mark Justin Harvey
    Mark Justin Harveyproduct designer
    Pros: 

    First time a credit card doesn't want to mine your purchases and data

    Cons: 

    People will always find a reason to hate on Apple

    Another example of last mover advantage from Apple

    Mark Justin Harvey has never used this product.
Discussion
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Joshua Dance
Joshua Dance@joshdance · Engineer, Product, athlete, indie hacker
I am probably going to get this card.
Kristofer™
Kristofer™@kristofertm · #6 Hunter. Location-based data addict.
@joshdance I'm probably going to *try* and get this card.
Kristofer™
Kristofer™@kristofertm · #6 Hunter. Location-based data addict.
I feel like Apple made this very appealing and oversold some aspects - 2% cash back. Amazing. Larger than almost any card out there. Points that most other cards use is a confusing conversion rate you need to deal with that typically doesn't work out as good as it sounds. - No late fees. Correct. But they still charge 13% - 25% APR. Lots of people are going to get confused here. - Titanium. It feels good tossing down a heavy, metal card when you're paying your bill. AmEx Black proved this. It's going to make people more likely to throw down their Apple card vs using another or paying cash. - Security and customer service: This is likely going to force a lot of other CC companies to up their game in terms of dealing with issues. Today if you have a problem being improperly charged by an App, they refund your money and take it up with the developer. Is that how it will work with payment vendors? Will become very abused, if so.
Jake Dubos
Jake Dubos@zach_dubos
It's interesting to see how this ended up being the product everyone is excited about, instead of News+ and TV+. Maybe a Space Grey Apple Card Pro with travel benefits could be in the works?
Nick Hayward
Nick Hayward@nehayward
It'll be interesting to see how other credit cards responds, though the 1% isn't that competitive to use this as an everyday card. Compared to Chase and Citi and more, which have cash back at 1.5% and 2%.
Seb Jachec
Seb Jachec@iamsebj · Mobile developer, student & gamer
@nehayward 2% for Apple Pay though – depending on where you're living, that sounds decent. Wish this was going to be available outside the US at launch though
Steven Rueter
Steven Rueter@rueter · Developer
24% APR.That's 2x the industry standard. That wasn't exactly advertised today, but it's important to understand before getting it. In any case, pretty cool developments all around today.