* . *
  • About
  • Advertise
  • Privacy & Policy
  • Contact
Friday, September 26, 2025
Earth-News
  • Home
  • Business
  • Entertainment
    ‘Today’: Sheinelle Jones Thanks Katie Couric for Support After Husband’s Death – CBS 19 News

    Sheinelle Jones Expresses Heartfelt Thanks to Katie Couric for Support After Husband’s Passing

    Sate your hunger at DBA’s Taste of Downtown – Bakersfield.com

    Indulge Your Cravings at DBA’s Taste of Downtown!

    Caesars Entertainment (CZR): Assessing Valuation After Times Square Casino Setback and Mounting Investor Concerns – simplywall.st

    Caesars Entertainment Faces Times Square Casino Hurdles as Investor Concerns Mount

    Why Hilaria Baldwin Has Found the ‘DWTS’ Process ‘Embarrassing’ At Times – WFXG

    Hilaria Baldwin Opens Up About the Embarrassing Moments on Her ‘DWTS’ Journey

    Harvest Fest 2025 – yadkinripple.com

    Celebrate the Bounty: Harvest Fest 2025 is Coming!

    Fox News Entertainment Newsletter: Kate Middleton stuns during Trump state visit, Brett James dead at 57 – Fox News

    Kate Middleton Stuns During Trump State Visit; Remembering Brett James at 57

  • General
  • Health
  • News

    Cracking the Code: Why China’s Economic Challenges Aren’t Shaking Markets, Unlike America’s” – Bloomberg

    Trump’s Narrow Window to Spread the Truth About Harris

    Trump’s Narrow Window to Spread the Truth About Harris

    Israel-Gaza war live updates: Hamas leader Ismail Haniyeh assassinated in Iran, group says

    Israel-Gaza war live updates: Hamas leader Ismail Haniyeh assassinated in Iran, group says

    PAP Boss to Niger Delta Youths, Stay Away from the Protest

    PAP Boss to Niger Delta Youths, Stay Away from the Protest

    Court Restricts Protests In Lagos To Freedom, Peace Park

    Court Restricts Protests In Lagos To Freedom, Peace Park

    Fans React to Jazz Jennings’ Inspiring Weight Loss Journey

    Fans React to Jazz Jennings’ Inspiring Weight Loss Journey

    Trending Tags

    • Trump Inauguration
    • United Stated
    • White House
    • Market Stories
    • Election Results
  • Science
  • Sports
  • Technology
    Amazon to Pay $2.5 Billion in Prime Membership Settlement – The New York Times

    Amazon to Pay $2.5 Billion in Prime Membership Settlement – The New York Times

    What are we really gaining from technology? – Fast Company

    What Are We Really Gaining from Technology?

    TOMI Environmental Solutions, Inc. Expands SteraMist iHP Technology Services in Healthcare Sector with New Provider Partnership – Quiver Quantitative

    TOMI Environmental Solutions Accelerates SteraMist iHP Technology Expansion in Healthcare with New Provider Partnership

    Indiana County Technology Center’s Joint Operating Committee looks to the future as program plans began to take shape – Indiana Gazette Online

    Indiana County Technology Center’s Joint Operating Committee Charts an Exciting Path Forward as New Program Plans Take Shape

    Meta to expand Montgomery data hub, pushing total investment to $1.5 billion – Alabama Department of Commerce

    Meta to Supercharge Montgomery Data Hub with $1.5 Billion Investment

    Agentic AI and the future of work: navigating technological promise and the risk of increased automation – Equal Times

    Agentic AI and the Future of Work: Embracing Innovation While Navigating Automation Challenges

    Trending Tags

    • Nintendo Switch
    • CES 2017
    • Playstation 4 Pro
    • Mark Zuckerberg
No Result
View All Result
  • Home
  • Business
  • Entertainment
    ‘Today’: Sheinelle Jones Thanks Katie Couric for Support After Husband’s Death – CBS 19 News

    Sheinelle Jones Expresses Heartfelt Thanks to Katie Couric for Support After Husband’s Passing

    Sate your hunger at DBA’s Taste of Downtown – Bakersfield.com

    Indulge Your Cravings at DBA’s Taste of Downtown!

    Caesars Entertainment (CZR): Assessing Valuation After Times Square Casino Setback and Mounting Investor Concerns – simplywall.st

    Caesars Entertainment Faces Times Square Casino Hurdles as Investor Concerns Mount

    Why Hilaria Baldwin Has Found the ‘DWTS’ Process ‘Embarrassing’ At Times – WFXG

    Hilaria Baldwin Opens Up About the Embarrassing Moments on Her ‘DWTS’ Journey

    Harvest Fest 2025 – yadkinripple.com

    Celebrate the Bounty: Harvest Fest 2025 is Coming!

    Fox News Entertainment Newsletter: Kate Middleton stuns during Trump state visit, Brett James dead at 57 – Fox News

    Kate Middleton Stuns During Trump State Visit; Remembering Brett James at 57

  • General
  • Health
  • News

    Cracking the Code: Why China’s Economic Challenges Aren’t Shaking Markets, Unlike America’s” – Bloomberg

    Trump’s Narrow Window to Spread the Truth About Harris

    Trump’s Narrow Window to Spread the Truth About Harris

    Israel-Gaza war live updates: Hamas leader Ismail Haniyeh assassinated in Iran, group says

    Israel-Gaza war live updates: Hamas leader Ismail Haniyeh assassinated in Iran, group says

    PAP Boss to Niger Delta Youths, Stay Away from the Protest

    PAP Boss to Niger Delta Youths, Stay Away from the Protest

    Court Restricts Protests In Lagos To Freedom, Peace Park

    Court Restricts Protests In Lagos To Freedom, Peace Park

    Fans React to Jazz Jennings’ Inspiring Weight Loss Journey

    Fans React to Jazz Jennings’ Inspiring Weight Loss Journey

    Trending Tags

    • Trump Inauguration
    • United Stated
    • White House
    • Market Stories
    • Election Results
  • Science
  • Sports
  • Technology
    Amazon to Pay $2.5 Billion in Prime Membership Settlement – The New York Times

    Amazon to Pay $2.5 Billion in Prime Membership Settlement – The New York Times

    What are we really gaining from technology? – Fast Company

    What Are We Really Gaining from Technology?

    TOMI Environmental Solutions, Inc. Expands SteraMist iHP Technology Services in Healthcare Sector with New Provider Partnership – Quiver Quantitative

    TOMI Environmental Solutions Accelerates SteraMist iHP Technology Expansion in Healthcare with New Provider Partnership

    Indiana County Technology Center’s Joint Operating Committee looks to the future as program plans began to take shape – Indiana Gazette Online

    Indiana County Technology Center’s Joint Operating Committee Charts an Exciting Path Forward as New Program Plans Take Shape

    Meta to expand Montgomery data hub, pushing total investment to $1.5 billion – Alabama Department of Commerce

    Meta to Supercharge Montgomery Data Hub with $1.5 Billion Investment

    Agentic AI and the future of work: navigating technological promise and the risk of increased automation – Equal Times

    Agentic AI and the Future of Work: Embracing Innovation While Navigating Automation Challenges

    Trending Tags

    • Nintendo Switch
    • CES 2017
    • Playstation 4 Pro
    • Mark Zuckerberg
No Result
View All Result
Earth-News
No Result
View All Result
Home Technology

Is the Apple Card worth it? Here’s what you need to know

March 31, 2024
in Technology
Is the Apple Card worth it? Here’s what you need to know
Share on FacebookShare on Twitter

apple card worth it
Apple Card

Apple Card has been available for several years at this point, and it’s proven to be a very popular credit card. Despite its popularity, however, there are a few things to keep in mind before signing up for Apple Card. Here’s what you need to know.

9to5Mac is supported by CardPointers: Download CardPointers for free and save over $750 per year by maximizing your credit card rewards. 9to5Mac readers can save 30% on CardPointers Pro’s annual and lifetime plans and get a $100 Savings Card, effectively making the lifetime upgrade free.

Apple Card quick facts

Apply and manage directly in the Wallet app on your iPhone

Get a free Apple-designed titanium card

No late fees

No over-limit fees

No foreign transaction fees

Created by Apple with a financial back-end powered by Goldman Sachs

All payments due on the last day of the month

Find out if you’re approved with only a soft credit check

Apple Card Savings Account

Apple Card perks

The Apple Card offers a set of rewards and perks that make it enticing for a few different reasons. The headlining feature is the ability to earn “Unlimited Day Cash back” on every purchase. The amount of that cash back, however, varies by where and how you make that purchase.

3% Daily Cash back on every purchase from Apple Stores, Apple’s website, and all digital purchases from the App Store, iTunes, and Apple services like Apple Music and Apple TV+

2% Daily Cash back on all purchases made using Apple Pay online and in-store

1% Daily Cash back on all other purchases

You can also get 3% Daily Cash back when you buy with Apple Pay at a selection of specific stores and retailers:

Ace Hardware

Exxon

Nike

T-Mobile

Uber Eats

Duane Reade

Mobil

Panera Bread

Uber

Walgreens

Apple Card Monthly Installments

Another of the nice perks of Apple Card is the “Monthly Installments” feature that allows you to finance any purchase of Apple products over time with zero-percent interest.

If you’re an Apple Card user, you’ll see an “Apple Card Monthly Installments” financing option. You can finance pretty much any Apple product using this option, including all of Apple’s primary product categories:

iPhone: Finance across 24 months

Mac: Finance across 12 months

iPad: Finance across 12 months

Apple Watch: Finance across 24 months

AirPods: Finance across 6 months

Apple TV 4K: Finance across 6 months

If you trade in an iPhone towards the purchase of a new iPhone, the value of that trade-in will be instantly deducted from the purchase price of the new iPhone, lowering your monthly installment.

You also earn 3% Daily Cash on all Apple Card Monthly Installment purchases. For instance, if you buy an iPhone 14 for $799, you get the full 3% Daily Cash, or roughly $24, deposited right away, even though you haven’t actually paid for the device yet.

There is no approval process required for Apple Card Monthly Installments. Instead, the balance of your installments counts towards your overall Apple Card credit limit. For instance, if you have a credit limit of $5,000 and you finance an iPhone 14 from Apple, the cost of that iPhone 14 is subtracted from your overall credit limit.

What is Daily Cash?

“Daily Cash” is what Apple calls the cash back that you earn with Apple Card purchases. You earn the Daily Cash right after the purchase posts to your Apple Card balance. This is different than many other cash back cards, which don’t give the cash back until the end of each statement cycle.

By default, Daily Cash is deposited directly to your “Apple Cash” balance. Apple Cash is a separate card in the Wallet app that is effectively Apple’s competitor to other payment services like Venmo and Cash app.

apple cash visa

Money in your Apple Cash account can be used for Apple Pay purchases, sent to friends and family via Messages, or transferred to your linked bank account. You can also use your Apple Cash funds to pay down the balance of your Apple Card itself.

Another option available is to have Daily Cash rewards immediately applied to your Apple Card’s balance. This works if you don’t have an Apple Cash account.

Most recently, Apple launched Apple Card Savings Account. This is a new feature exclusive to Apple Card users. You can have your Daily Cash deposited to the savings account instantly, which offers 4.15% interest, and make deposits from a linked bank account.

Apple Card security and privacy

Apple Card also offers a handful of security and privacy features that can help protect your information and finances to prevent unauthorized transactions.

Advanced Fraud Protection: The Card Security Code automatically refreshes every day.

No card number or security code on the physical card itself

Ability to lock your Apple Card via the Wallet app

Real-time transaction notifications via the Wallet app

Is the Apple Card worth it?

Now that we’ve run through the benefits and features of Apple Card, we can talk about whether or not it’s worth it.

For a card with no annual fee, the Apple Card has some enticing perks and reward options – especially for people who find themselves spending a decent amount of money with Apple directly.

The Apple Card is worth it if the following things apply to you:

You aren’t concerned about the potential one-time hit to your credit score.

Apple Pay is widely accepted as a payment option from the stores and websites you shop.

You buy products from Apple, the App Store, and Apple Services.

You can responsibly take advantage of the Apple Card Monthly Installments option for 0% financing on Apple products.

You value the ability to manage everything via the Wallet app on your iPhone.

There’s also a web interface for Apple Card, but the Wallet app is the best way to manage Apple Card.

That’s not to say the Apple Card is a must-have credit card, though. There are similarly competitive cash back options from the likes of Chase, Citi, and Discover. You can also check out options from American Express, many of which offer more enticing rewards as long as you know how to best redeem the Membership Rewards points.

Apple Card 0% financing

I got the chance to talk with Emmanuel Crouvisier, developer of the popular CardPointers app, about the Apple Card. CardPointers is an excellent app for iPhone, iPad, and Mac to help you maximize credit card rewards.

There are so many more advantages to a good rewards card, like a Chase Freedom, Sapphire Preferred, Citi Premier, or Amex Gold card. With those cards you can earn transferable points which you can transfer to airlines and hotels to get a lot more value out of the points that you earn — and their points multipliers for most categories are much higher than the Apple Card, too. 

With the Apple Card the most you can get is 3% back on your purchase, whereas with the cards I’ve mentioned, you can get 5x back in points on some categories like restaurants, gas stations, etc, and those points are worth even more as you can redeem them for things like business class seats to Europe. 

If someone spends $10,000 on their Apple Card in a year they’ll get back at most $300, whereas the same $10k spend on a good rewards card can earn them 50,000 points, and those points can be worth 4c or more with a good redemption, meaning the real value would be $2,000. Literally, 7x more value out of using a good rewards card, and that’s what CardPointers helps users do — earn more from every purchase just by paying with the right card. 

Even if you just want to focus on cash back, other cards can earn the same cash back as the Apple Card on even more categories and merchants. I’d love to see the Apple Card further improve their earnings categories, and more and more banks are doing deals directly with specific merchants as a form of advertising, so I think we’ll continue to see more of that across all cards as a new source of revenue for them.

9to5Mac readers can save 30% off the normal price of CardPointers and get a $100 Savings Card as a signup bonus.

Wrap up

As always, credit cards are only a wide financial tool if you pay them off every month. Once you start carrying a balance and paying interest, the credit card company is making money off you. The rewards you receive will never outweigh the interest charges.

Personally, I find the Apple Card to be a great option to have for select Apple Pay purchases and my Apple purchases. My daily drivers, however, continue to be the American Express Gold Card and Blue Business Plus.

What are your thoughts on Apple Card? Are you an Apple Card user already or are you considering applying? Let us know down in the comments.

FTC: We use income earning auto affiliate links. More.

>>> Read full article>>>
Copyright for syndicated content belongs to the linked Source : 9to5Mac – https://9to5mac.com/2024/03/31/should-you-get-apple-card/

Tags: AppletechnologyWorth
Previous Post

Apple offering big discounts on select Apple Watch bands for employees

Next Post

Remote Controlled Mini Tractor Pulls Are a Real Sport, and My Latest Obsession

Botswana Minister outlines ‘Diamonds, Democracy, and Development’ vision at World Leaders Forum – Columbia Daily Spectator

Botswana Minister Unveils Inspiring Vision of Diamonds, Democracy, and Development at World Leaders Forum

September 26, 2025
US economy grows at fastest pace in nearly two years as spending roars back – New York Post

US Economy Surges at Fastest Rate in Nearly Two Years as Consumer Spending Booms

September 26, 2025
Best 9: Top events for the week ahead in Santa Cruz County arts & entertainment, Sept. 25-Oct. 2 – Lookout Santa Cruz

Discover the Top 9 Can’t-Miss Arts & Entertainment Events in Santa Cruz County This Week (Sept. 25-Oct. 2)

September 26, 2025
Their son was ‘too unstable to function outside of hospital.’ Insurance denied his mental health treatment anyway. – NBC News

Denied Mental Health Care: When a Son Too Unstable to Leave the Hospital Was Left Without Support

September 26, 2025
September 25, 2025: Trump administration news – CNN

Urgent: Major Developments from the Trump Administration on September 25, 2025

September 26, 2025
Testing the role of biotic interactions in shaping elevational diversity gradients: An ecological metabolomics approach – ESA Journals

Unraveling How Biotic Interactions Shape Elevational Diversity Gradients Through Ecological Metabolomics

September 26, 2025
Betina Wilkinson elected to American Political Science Association Council – Inside WFU

Betina Wilkinson Joins the Prestigious American Political Science Association Council

September 26, 2025
Dr. STONE SCIENCE FUTURE Cour 3 Anime to Premiere in 2026 – Crunchyroll

Dr. STONE: SCIENCE FUTURE Cour 3 Set to Premiere in 2026!

September 26, 2025
Aldi Just Launched a Huge New Collaboration and It’s Excellent News For Shoppers – Yahoo

Aldi Unveils Exciting New Collaboration That Shoppers Will Love

September 26, 2025
Amazon to Pay $2.5 Billion in Prime Membership Settlement – The New York Times

Amazon to Pay $2.5 Billion in Prime Membership Settlement – The New York Times

September 26, 2025

Categories

Archives

September 2025
MTWTFSS
1234567
891011121314
15161718192021
22232425262728
2930 
« Aug    
Earth-News.info

The Earth News is an independent English-language daily published Website from all around the World News

Browse by Category

  • Business (20,132)
  • Ecology (837)
  • Economy (858)
  • Entertainment (21,733)
  • General (17,248)
  • Health (9,901)
  • Lifestyle (870)
  • News (22,149)
  • People (859)
  • Politics (868)
  • Science (16,067)
  • Sports (21,357)
  • Technology (15,840)
  • World (841)

Recent News

Botswana Minister outlines ‘Diamonds, Democracy, and Development’ vision at World Leaders Forum – Columbia Daily Spectator

Botswana Minister Unveils Inspiring Vision of Diamonds, Democracy, and Development at World Leaders Forum

September 26, 2025
US economy grows at fastest pace in nearly two years as spending roars back – New York Post

US Economy Surges at Fastest Rate in Nearly Two Years as Consumer Spending Booms

September 26, 2025
  • About
  • Advertise
  • Privacy & Policy
  • Contact

© 2023 earth-news.info

No Result
View All Result

© 2023 earth-news.info

No Result
View All Result

© 2023 earth-news.info

Go to mobile version