I’ve made more interest in my Apple saving account in two months than I’ve made in the past 5 years with my regular bank savings account. If they only offered checking, I would get rid of my regular bank altogether.
@valentinecm Жыл бұрын
Apple Cash 🤷🏾♂️
@smvballer6 Жыл бұрын
@@valentinecmcan it do direct deposit?
@sly2792004 Жыл бұрын
@@smvballer6 no
@valentinecm Жыл бұрын
@@smvballer6 I transfer money into Apple Cash from my bank account,whenever I wanna set money aside…no ATM withdrawals tho
@DubLL Жыл бұрын
@@smvballer6I believe the savings can, but not the cash
@mirainoivuyo984 Жыл бұрын
Apple Card is the only CC I know of that always makes the billing cycle from 1st day of the month to the last day of the month every month and the due date is always the last day of the following month. It’s a very underrated feature. It makes me feel very control of my finances. In trying to manage my credit utilization, I try to pay it all off by the end of the current month but I know I can hold off paying until the last day of the following month and not be charged interest.
@MK6CHRIS11 ай бұрын
Not that it matters but Gemini cc allows you to pick the date
@WhittyPics Жыл бұрын
It is a good way to pay for subscriptions that have recurring charges. Some of these companies make it hard to cancel and you can just rotate the card numbers to kill their ability to charge you.
@9to5Mac Жыл бұрын
yup! I've done this with my Hulu acct haha
@antonio-yt2ys Жыл бұрын
Might not, if you have this number linked to 5 diff subscriptions while trying to stop one....
@jimmyboy1582 Жыл бұрын
This actually doesn’t work. I had a recurring service that I wanted to cancel and to make sure it was canceled. I change the Apple Card number. The purchase showed up as number changed but then the next day it charged my card anyway.
@BooleanDev Жыл бұрын
@@jimmyboy1582 did you subscribe through apple pay? if so then it wont work
@BooleanDev Жыл бұрын
I use Privacy for this very reason (disposable credit cards). only down side is no rewards since it requires a debit card
@josefocarrillo Жыл бұрын
I’ve been using the Apple Card since it was offered to Apple employees as a pilot program. It’s the best card, it’s the ONLY credit card I use. So easy to pay it off within the Wallet App
@Dyecast568 Жыл бұрын
Interest rates are ridiculously high even for those with excellent credit. It’s a status symbol in many ways. The features are pretty good, but there are WAAY better offers in the CC market
@1nner.w0rld Жыл бұрын
@@Dyecast568 What are your suggestions ?
@ld3534 Жыл бұрын
@@Dyecast568interest rates don't matter when you pay your balance in full
@Dyecast568 Жыл бұрын
@@1nner.w0rld Don’t go into debt.
@NM_rocker Жыл бұрын
@@ld3534exactly I treat my various cards as cash. I pay every card off when the bill comes in, I use each card for it’s maximum cash back category
@TroyRubert Жыл бұрын
I used to work for Capital One in the High Value Spend customer service. I did both frontline and supervisor roles. The rewards can't be beaten for $0 AMF full stop. The reward cash also being treated as a 4% savings account is a great bonus.
@scubasteve155511 ай бұрын
I love the card, I travel abroad a lot with the military and they drop my interest to 2% (though I normally pay it off every month) and there’s no foreign transaction fees. It’s my go to card vs using a debit card or other credit card especially when abroad. Coupled with the savings account and it’s just a killer deal. So much better option then Chase or other available cards out there. Customer service is absolutely phenomenal! Being able to text and get things resolved anywhere in the world is awesome.
@TheMacdoug Жыл бұрын
You’re killing it with these videos - really, really good stuff. I’ve been an Apple Card user since launch and I still learned something (how to see my lifetime Cash Back earnings). You did a nice, balanced job on the savings accounts too. Keep it up!!
@parryan1800 Жыл бұрын
Thanks. I am an Apple Pay card user because a lot of my places don’t have the touch screens but I needed you to help straighten some of this up in my head. Thank you. I love the ability to pay through Apple messenger to my neighbors who go to the store for me, or mow my lawn, etc. because I’m too old to do things myself. That way I do not have to keep cash in the house I can still pay all these people and feel good about it That they got their money sometimes before they’ve done the Services for me.
@deniszkf Жыл бұрын
This is the video I've been waiting for! Now Apple should make the Apple Card in more Countries available!!!
@habitualgl0ckdumper149 Жыл бұрын
I got this card just because I’m a big Apple ecosystem guy. Not the best card all around, but for Apple things it’s well worth it. The interest free payments over time on apple products is insane
@tamarraj9 ай бұрын
I’d say cards fit into 1 of 3 buckets. -Store cards or No rewards -cash back rewards -points/travel rewards A no reward & store reward cards are virtually useless and gimmicky. Points & travel reward is a HUGE market and there lots of great cards in this category. Cash back cards have a few solid players, but I don’t think any of them match up to what Apple offers. Here’s why! Most people will be getting the 2% cash back because of using Apple Pay. Also the cash back savings with currently 4%+ interest is unmatched and it’s money directly in your hand.
@michaelb6671 Жыл бұрын
The interest rate for the card is super high even if you have good to great credit. Warning, pay off balance monthly or the 2% or 3% daily you get back is just a drop in what they charge you.
@synen Жыл бұрын
This is true for most credit cards, nothing new.
@MrLuigi-oi7gm Жыл бұрын
@@synenActually, cards can vary quite a bit in their interest rates. So if you can't pay off your credit every month, it absolutely makes sense to shop around for one of the cards with lower interest rates. Of course, in a perfect world one would always pay off 100% of the bill each month as the OP recommends.
@ScottKelley Жыл бұрын
Carrying a credit card balance is never the way to go. Always pay off credit cards before the monthly payment is due-- lose nothing in interest and gain a percentage back on all purchases. Free money! Or rewards depending on the card.
@sly2792004 Жыл бұрын
lower then capital one or chase.
@Three60guy Жыл бұрын
I thought of adding this little known info: Your use of the Apple Card is limited on all iPads. You will discover there is no “Wallet” on an iPad. You will be surprised, however, to see Wallet & Apple Pay in the Settings app. But it doesn’t work like the Wallet on an iPhone. Just a heads up.
@stann_ai4 ай бұрын
Watching this video to learn about the apple card as i just got my new job to work as a Customer Service Representative for Goldman Sachs, Apple card ✌🏻
@jw2583 Жыл бұрын
🐬 Excellent video. I truly love the interface of the Apple Card in the wallet app. I wish everyone supported this.
@AverageAspie Жыл бұрын
As someone who just moved to Apple(13 mini) AND was approved(teetering into +700 camp) for the card, it’s so liberating compared to Samsungs meek SOFI debit card. I heard their CC option is locked to Korea, but given how diet Sam Money is, I’m not waiting to find out what it is. I hear positives for SOFI but I’m in part of the rust belt where people still gift you loads of real cash instead of a PP/VM/DP. And paying a fee to store deposit that into savings is not worth the online banking convenience or APY. 53 Bank alongside Apple Card/Savings is my new temporary setup for now and I love it
@LitLitterbox Жыл бұрын
I love mine. I never need to actually carry it but the titanium part is cool.
@leighmosley7873 Жыл бұрын
Great review of this card. I live mine, but a bit concerned that it might move to American Express. 😅
@leighmosley7873 Жыл бұрын
I love not live mine.
@SonniiTea Жыл бұрын
Well that would suck....AMEX is a great card with a lot of benefits but because it's not as widely accepted that will for sure hurt cardholders/apple. Now, Im wondering if Goldman does offload to AMEX, would the "apple effect" take place?
@ct3343 Жыл бұрын
Apple savings account is so clutch. Apple Cash is convenient that you can bring money over from a bank account. I don’t think it’ll be long until they add a legitimate checking account since it’s going so well for them.
@renodavid Жыл бұрын
Thanks for the review. You showed me some things I wasn’t aware of. I’m actually enjoying using the app to track where my money is going, which is something I thought I’d never say. I hope they continue to expand its capabilities.
@robertfrost168310 ай бұрын
This item has helped me better manage my life. I strictly control my day to day expenses and pay each weeks spending every Tuesday. It helps me control my life.
@KingTechHD Жыл бұрын
I like the sound it makes when you throw it down or drop it. Great wallet app & nice Apr on savings. Wish my limit increased. It is the lowest limit I have on a cc. I'll get there
@renodavid Жыл бұрын
Lol, before I watched this video I had no idea it made a clanging sound when dropped. Duh. That’s cool though. Also, until I got mine, I thought the surface of the actual card was coated with something so it had a shimmering rainbow-like appearance. I was a little disappointed to see it was…white.😂
@gh0stcloud4999 ай бұрын
13:00 PSA credit limit increases definitely do affect your credit rating. Around 30% of your score gets calculated based on how much credit you utilise, so you should ALWAYS check how much credit you are using and how much credit limit is right for you. If a lender tells you that they've increased your credit limit by a few thousand $, it can be a good idea to call them to have this revoked. Do not get fooled into thinking that more credit limit means you can/should change your spending patterns.
@danielross35828 ай бұрын
You wouldn’t need to revoke it just keep the same spending pattern. The higher your credit limit is while spending less benefits you. Spending 300 a month with a 10k limit build credit better than spending 300 a month with a 1k limit.
@michaelb6671 Жыл бұрын
Also saw a recent article, I think in the WSJ, that Goldman S. wants desperately to sell the Apple partnership to another lender. The article did not name a potential buyer. Wonder why Goldman wants out of this deal with Apple? As the consumer, you just need to know this is a possibility. All this said, all the the features mentioned in the video are correct. I use the card because it is convenient.
@iMadrid11 Жыл бұрын
I believe this is Goldman Sacs first ever entry to small consumer banking. They want to get out of it because they are used to private banking to high net worth clients. So Goldman Sacs thinks this is a lot of work for so little profit.
@quats12 Жыл бұрын
Possibility of American Express is in talks with Apple.
@joegabba6350 Жыл бұрын
GS has lost tons of money on apple card because apple card holders are more likely to pay off their balance every month. CC companies make their money off the interest from ppl who don't pay off their balance monthly.
@MatrixRoland Жыл бұрын
@@quats12 hope not. Not everyone takes American Express. I was at a business just last week that had a sign posted saying they don’t take American Express because they charge too much to the merchant. I would switch back to another one of my cards that are either Visa or MC and abandon my AppleCard. I’m too used to using one card for all. The rest are just to keep a high available credit to keep my score high.
@quats12 Жыл бұрын
@@MatrixRoland I fully agree. I haven't used American Express since the '90s
@clippylady9837 Жыл бұрын
Hi, first time viewer, liked and subscribed. Well done! Detailed, but simple description. I’m just starting to use the apple cc. Just deposited some money into the savings account from my local bank, probably going to transfer more. For ease of use, I agree re savings percentage, I already have a few accounts, don’t need more. Thanks very much! Victoria
@007KrausBean Жыл бұрын
WOW! 26.99% APR on the Credit?!?! That is insane!
@fredsamuel6817 Жыл бұрын
Wow! I've learned so much about my Apple Card, thank you!!!!
@9to5Mac Жыл бұрын
Glad it was helpful!
@JaVvii3 Жыл бұрын
I love the Apple Card, I always pay it in full though. Love how organized it is and easy to access.
@fanofcanes44 Жыл бұрын
Another great video share . I don’t use the card that much only for Apple purchases . I also thanks to you put money in Apple saving . The one thing I like is the many options the card allows without needing to call anyone . Thanks. Stay safe in life .
@CHAOS_6E9 ай бұрын
Feel like this is my catch the rest card if my other cards don’t get cash back like my Chase trifecta. It’s really good for beginners like college students.
@CalbyNg Жыл бұрын
Oh, if I'm not mistaken, I don't believe you get a kickback as the referrer. Only the person you referred actually gets the bonus.
@CalbyNg Жыл бұрын
!!! Why do you have two Chase Sapphire Preferreds? Nice getting the Bilt card! 👍
@smoove354 Жыл бұрын
Best card to use !
@StrifePulse Жыл бұрын
Hope it comes out in Canada
@9to5high Жыл бұрын
lol….
@richardkendrick5225 Жыл бұрын
Sidebar comment: love the convenience and security of making Apple Pay purchases via my Apple Watch - contactless payment method and don’t have to use/pullout my iPhone for Apple Pay.
@9to5Mac Жыл бұрын
love that
@rustyzeyn3915 Жыл бұрын
Sucks that Apple Card is only available in US now. :(
@Im-a-rock11 ай бұрын
There are a lot better cards out there…
@rorisxng5 ай бұрын
I wish the features of the app worked with other cards too. I really like the UI compared to my banks app.
@SledgeIncTeam10 ай бұрын
Good card for beginners into credit.
@3samdamascne Жыл бұрын
Unfortunately it’s not available in the UK either
@mgaming7 Жыл бұрын
Apple card is great. my go to card
@joeyweinstock227211 ай бұрын
How do you increase your credit limit?
@fernandosilva Жыл бұрын
Need to get my hands on this
@dbenedict357 Жыл бұрын
I use the cash back as a small savings and I use the card till I have enough to make big purchases.
@ethansteiner11 күн бұрын
I’ve tried applying for it with no luck yet unfortunately
@driver288 Жыл бұрын
Here 99,9% accept Apple Pay. Or rather every vendor accepting cards at all. This is more vendors than those who accept American Express cards! It’s more of a question if your bank’s card can be added in Apple Pay and most banks can be added now. Not in 2019 though but there were ways around it
@jeffhale1189 Жыл бұрын
Thanks for sharing. I enjoy my Apple Card! Blessings on your day 🐬
@glewis3186 Жыл бұрын
Haircut is 🔥 bro!
@allen9975 Жыл бұрын
Great feature on the Apple Card. Unfortunately i get rejected from applying 😕 so use for me
@jimmyboy1582 Жыл бұрын
I thought Apple was going to add hundreds of retailers because they have the data of where everyone shops When I got the card, I was excited for the new updates that would be to come. But it has been my worst card chase Citibank and American Express are better than anything Apple offer at this point.
@troigrl Жыл бұрын
Can I increase my card limit?
@Dfgbuiiyyyybb Жыл бұрын
They need to clean up the wallet App UI since adding all of these product. It’s very hard to find things. Also they need to create an app for OS X and iPad OS. I should be able to manage my finances from all devices even if this just a website.
@Itz_Lurkness7 ай бұрын
I am pretty sure if you use the physical card in the Apple Store itself you'll still get 3%. But I could be wrong.
@Willywonka630 Жыл бұрын
I’m a Brit and I’ve been waiting so long for this in the UK!!! Hoping for it as a surprise at iPhone 15 event soon… 😭
@leonardgoffe7159 Жыл бұрын
I'd love to see a video on the entire apple wallet and all of it's uses
@just.bob.j Жыл бұрын
I don't use it because I can't fully understand the statement and monthly charges...I have small balances and I have no idea where the balance came from....especially when I use the card to finance a new laptop, watch etc... The billing and statement is absolutely horrendous and I have been reading statements for over FOUR decades and this is deff thee most confusing. For that reason...I just don't use it....well I do use it for new apple products and that is it.
@ElegalvicnLa5 ай бұрын
How much interest should I get in a month if I invested $1000? Because all I got for one month was $2 Which is not what I was expecting to get at a 4.5% Apy
@Attackonjon_ Жыл бұрын
It’s not the best in terms of benefits. I mostly got it for the Apple financing.
@michaelupchurch3779 Жыл бұрын
Great video im thinking of getting a Apple Card now thanks Fernando
@farzadjahanfard Жыл бұрын
We don’t have it in uk😢
@farzadjahanfard Жыл бұрын
@@user-yi5oq3kf3q tbh no one use i message in uk Europe uses WhatsApp for everything but still not having them is a bummer.
@NoahSuggs Жыл бұрын
Great video, thank you so much!
@do9138 Жыл бұрын
I can't pay the bill on my laptop, and I don't use the browser on the spyphone.
@roberto67119 ай бұрын
I don’t think is available for T-Mobile recurring payments
@JoseSorianoPhotography6 ай бұрын
How long does it take to fund the account or pay the CC, I have my direct deposit in a different bank
@angelfieseler5358 Жыл бұрын
You can also add automatic payments and transfer money to your saving from your bank.I have more money in savings in a savings account at my main bank but make more interest from Apple savings and have less money in Apple
@user-hx1ml9mf4o Жыл бұрын
Interesting thing is that moving money to the savings account is considered as a charge on your bank account.
@MrLogan2600 Жыл бұрын
I didn’t realize how much interest percent a person has varies so much. Mine is only 20.99%
@driver288 Жыл бұрын
Sadly only in America and possible Canada? Here in Europe we’re still waiting for it and Apple Cash
@finalnamechange1820 Жыл бұрын
When I first got my Apple Card I had a 250$ limit and now it’s at 1k. Trying to get up to like 2k
@kennykolourinc1250 Жыл бұрын
my biggest disappointment is with the Savings account. my wife and I share our account but Savings does not offer a joint account? why? if my wife and I are card owners then having a joint account is a must. this has made me re-think having an Apple savings account like I have with my bank.
@scubasteve155511 ай бұрын
It’s not hard to manage it from an external account, my wife and I both can access the savings account through our main bank and easily make transfers in and out.
@HughJassle Жыл бұрын
Great video! 👍🏻
@Bigheadedwon11 ай бұрын
I have an Apple Card and I always make my payments, and just to test it out I tried a measly $130 pay later purchase and got denied. I don't know how I feel about that lol.
@2kcol7 ай бұрын
yo mane, ur audio is a little wonky. i'd listen in stereo w headphones and see what im sayn theres a bit of a sample delay.
@patrickpitts Жыл бұрын
Great video, thanks for sharing!
@9to5Mac Жыл бұрын
Thanks for watching!
@LifezEverything5 ай бұрын
Great video 👍🏾👍🏾😎
@Sherlockhmbwoy Жыл бұрын
will this come to europe? or are we just forgotten over here?
@tomsam1314 Жыл бұрын
I really wish Apple Card was available in the UK!
@parafan22 Жыл бұрын
I still don’t have Apple Pay later 😔 my friends have it on their phones
@mikeyoung764010 ай бұрын
This needs to come to Canada
@theboywaal Жыл бұрын
I wish we had this card in the UK
@thomastevis8655 Жыл бұрын
I just got the Apple Card less than an year ago
@jaxik74 Жыл бұрын
is it ever going to be available in canada?
@zahktuthalxalyrion6364 Жыл бұрын
Can’t get approved, unfortunately. That’s my own fault, I’ve made bad decisions. I’ve seen tons of good stuff about this card and have been wishing I could get approved for an Apple Card. I’d be switching all my subscriptions to this card if I did!
@ibrar4397 Жыл бұрын
When is it going to the uk
@mattstaude7 ай бұрын
People who are in debt should avoid this card.
@DjangoGroen Жыл бұрын
Still not in my country
@user-ey6vr5mx2d3 ай бұрын
How much apple card?
@luiggyorlandi Жыл бұрын
Yeah, all that sounds super great. Bye for one reason is ending relationships with this bank and switching over to American Express,
@user-ey6vr5mx2d3 ай бұрын
How much apple card
@dbenedict357 Жыл бұрын
COVID along with the new laws (saying signature was least safe, swiping was least safe, Chip or tap is better. ) expedited the process 3:02
@quantx6572 Жыл бұрын
Out of my four credit cards, my Apple Card offered the worst rewards and least benefits. Apple Card is only good for interest-free financing, and even that is limited. I cancelled my Apple Card a few months ago after only three years.
@boodles0710 ай бұрын
It is not good practice to cancel credit cards. Youre better off keeping it open so your credit to debt ratio remains high.
@quantx657210 ай бұрын
@@boodles07 I agree. However, I have excellent credit, and I have enough of it that my credit-to-debt ratio will never be an issue. The Apple Card was my newest card, only three years old. I only took a two point hit after cancelling the Apple Card, and a month later, I got the two points back. No harm done. That being said, I have never cancelled a card before. Apple Card was the first. I found it that useless, for my needs that is.
@hitman10171 Жыл бұрын
If I buy a phone from the t mobile website using my Apple Card will that qualify for 3 percent cash back?
@nsquared864310 ай бұрын
@hitman10171 It will qualify for the 3%
@margaretbusteed731 Жыл бұрын
I save my cash back to help pay for my next phone update. Is there a way to use it to pay Apple without going through a third party, or is it better to just put it into savings and just pay apple immediately rather than using Apple Pay . I would like to avoid the monthly installments. Does this make any sense to you? I would appreciate any input.
@renodavid Жыл бұрын
Hi Margaret. I think you would want to transfer funds from your Apple Savings account to Apple Cash and then use the money in Apple Cash to pay Apple for the phone. I’ll let Apple explain: “You can't spend money or make purchases in Savings directly through your Apple Card or Apple Pay. If you want to access your funds, you can transfer money from Savings to Apple Cash or to a linked external bank account.” “What can I do with my Apple Cash? You can use Apple Cash to make purchases just as you would with physical cards and cash. It works anywhere Apple Pay is accepted - in stores, online, and in apps. You can also transfer your Apple Cash to your bank account.”
@margaretbusteed731 Жыл бұрын
@@renodavidThank You, I think my issue is that there is not enough Apple Cash to complete the complete purchase. Maybe I should just ‘add’ cash to raise the balance. I really wanted to use the monthly payments for the balance, after Apple Cash & Trade In. Can that be done?
@renodavid Жыл бұрын
@@margaretbusteed731 I think you’re going to have to touch bases with Apple to see if you can do that. I’d only be guessing, but it sure sounds feasible to me. Right now I’m just beginning to explore what the options are when it comes to buying a new phone, so I’m no expert. The monthly payments seem relatively painless though. Good luck with your purchase!
@Moepsalms7 ай бұрын
Shout out to Rowan, South Jerz Stand up!!
@chrismack. Жыл бұрын
0:19 jump scare
@carlygrass Жыл бұрын
I personally have a terrible experience with the apple card when discussing transactions, I won’t recommend it unless you want to get an apple product financed without interest
@imayoutubeviewer Жыл бұрын
Wow you have $11600 credit limit!
@thelefthandedshooter381 Жыл бұрын
Save 3% to pay 26.99% interest🤔🤔🤔. I got the card to get the savings account. Stay away from debt. Unless you pay off immediately, you are losing money.
@boodles0710 ай бұрын
That is true of every credit card. You are stating the obvious. Who cares what the interest rate is?
@JoseReyes-yn3xj Жыл бұрын
I'm still waiting for an invite to try Apple Buy Now Pay Later
@nsquared864310 ай бұрын
While following along watching this video, I discovered the Apple Buy Now Pay Later is already in my Apple Wallet and I wasn’t even aware of it …😮D’oh!
@Kanagohel Жыл бұрын
When Apple releases Apple Pay in India 🇮🇳?
@iMadrid11 Жыл бұрын
Financial banking laws vary from country. Apple and Goldman Sacs will have to apply for a banking license in India for it to be available.