Why I won't be getting the Apple Credit Card...

Lets talk about the new 2019 Apple Credit Card…and why I won’t be getting one. Enjoy. Add me on Instagram: GPStephan
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Summed Up:
Titanium Card without numbers on it
1% cash back on all purchases
2% cash back when used through Apple Pay
3% cash back on apple products
No fees or foreign transaction fees
Enhanced analytics to track spending
When it comes to the Apple Credit Card…it’s…in my opinion…a little disappointing, and I’m going to pass on it. Not that I think it won’t do well for Apple and their customer base, but specifically as a credit card…they missed so many amazing opportunities to make this a home-run card that everyone should get.
In terms of usefulness and practicality, the credit card is really just OK. And I have a feeling, from Apple’s perspective, that’s what they wanted to go for all along. It’s a credit card that’s created for mass appeal, and that’s it. It’s not built to be the best credit card out there, it isn’t meant to offer crazy competitive rewards to compete with American Express or the Chase Sapphire…it’s JUST meant to appeal to as broad of an audience as possible, who loves Apple, and wants something somewhat unique - which is what they’ll get with a titanium laser etched card without numbers on it.
And I wouldn’t be surprised when this soon becomes the new trend among credit cards, to issue blank cards without numbers on them. When it comes to something unique or special - this is really what I think this credit card has going for it. It’s a novelty, but at the same time, it’s kinda cool and gets attention. And it costs nothing, with 1-3% cash back, which is decent. So for that, I’ll give it to apple.
Like I said, for MOST people, this card will be perfect for them - Apple isn’t going after the people who really maximize rewards, and try to squeeze the most value from everything they do.
Apple seems like they were aiming to make something that’s probably a little better than what the AVERAGE person is currently getting with their random crappy credit cards, and that’s their market - and arguably, THAT market is much bigger to go after than the people like me and most of you watching who just want crazy good benefits and rewards, and just want the best of the best.
So in terms of market share, I have no doubt Apple will be successful with these cards, and many people will get it ONLY because it’s apple, only because it’s metal, and only because it’s got a “trend” factor to it.
With that said, I DO think Apple missed a huge opportunity to offer SOME type of sign-up bonus with this card to attract an even larger audience.
THIS was their golden opportunity to get people into a frenzy over getting this card who wouldn’t have ordinarily applied. If they want a TON of new customers, just offer a few hundred dollars back on your first $2000 spent. If they had done that, I would’ve gone for it - that way I can justify having a hard inquiry on my credit report.
So would I recommend this card for anyone watching?
Yes. It’s a no fee card, zero transaction fees, 1-3% cash back, and it’s titanium without numbers on it. To me, this card isn’t bad - I have nothing against it, and it’s absolutely BETTER than most of the other generic crap out there.
However, there are many BETTER credit cards than this - like the Citi Double Cash Rewards Card - that give you a much more broad 2% cash back, without an annual fee, while also offering extended warranty protection. Or, the Discover Cash Back which offers 5% cash back on revolving categories.
So if your goal is maximizing rewards and going for the best credit card possible, the apple card isn’t it. They missed the mark on that one.
However, if your goal is just getting a basic, no fee card that you can enjoy and use - and you don’t care about getting the highest value all the time - then it’s good. And this is definitely the biggest demographic out there, who apple plans to market to. They understand the average audience an they’re making a mass market card for most people.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [e-mail]
My ENTIRE Camera and Recording Equipment:
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[@arvidolin4318]

I'm waiting for the SouljaCard

[@Julian-ss9ch]

Underrated comment 100%

[@kojok4667]

😂😂😂

[@The1707regina]

🤣

[@korbin6674]

Brother?????????????

[@theJ1M1]

Same

[@LillyPadPwnz]

"Millennials who would love to use that credit card to buy avocado toast on the weekends" I feel targeted.

[@GrahamStephan]

😂

[@AshAirheart1995]

Is that really a thing

[@kennethschechter352]

@@AshAirheart1995 sadly yes

[@AshAirheart1995]

Kenneth Schechter I don’t think it’s entirely sad I think it sounds good for u. Lots of protein right? But the combo is odd

[@vishalvibes_]

Austin Lilly yup

[@ms.maggie5636]

I lowkey want you to talk about all of your credit cards and the perks you get. Just for ppl who arnt credit card savvy since you have so many

[@bda96]

Ms.Maggie high-key

[@bowflexman3485]

Why do people say lowkey? It is becoming severely overused lately.

[@sarjxxx]

He has a video about them already

[@arielarenas6581]

Jesse McKay it lowkey is

[@BVargas9]

Hope he sees this

[@DarthRaider]

"why I won't be getting the apple credit card" *1 week later: "Apple credit card unboxing"

[@GrahamStephan]

hahah

[@bdm5995]

*Loves comment*

[@R456jen]

Lmao

[@livingleashless7090]

He already owns all of the the better cards 😂

[@evilxxfairy]

I know this is a year old, but I need humans to understand the difference between extending the manufacturers warranty and getting Apple care! I work in retail (Best Buy) and an extended warranty doesn’t cover everything that a paid for warranty covers. Apple care covers cracks and damage! Regular warranties do not. They only cover if the device stops working! So it pays to get the Apple care and not an extended warranty. Besides Apple care on any MacBook is 3 years.

[@The1707regina]

why I wont be getting apple credit card my credit score.

[@tristanbrown2189]

renee p underrated comment

[@ecarrillo003]

renee p 😂

[@realestateratpack341]

best comment so far :D

[@adhillA97]

...my lack of an iPhone

[@congyiq5918]

What expense tracker you are using? You mentioned in the vedio. I did not hear clearly. Thanks!

[@WorldPrestige]

Created by Apple, not a bank but backed by a bank. 😂

[@BillAnt]

Basically you can buy an "apple" with an "Apple card" and eat your "apple" too... now only if the card was eatable... yum-yum... tsk-tsk And now the master plan is complete, where "they" (Apple and the gov.) can track your every purchase along with ultra precise gps location, habits, etc... your fingerprints are already stored, they just have to come up with a way of taking your blood sample on the phone... damn those blood suckers!! he-he

[@AlexMkd1984]

created by foxcon apple promote like their card lfmao😂

[@kiput3647]

have faith in goldman sachs

[@TheClintWhite]

Apple could buy most banks. That’s hilarious.

[@thedelta4294]

@@kiput3647 AHAHAHISODJOGKLSDMP%µG£KPGSSV?LSDM?.P lol

[@jamin959]

This card is how Apple is to subtly keep Apple users to Apple instead of switching to other brands.

[@sixninefourtwenty4885]

Jamin Brako yeah the apple ecosystem

[@LunarXZ_]

Rocky while I currently have an iPhone 11, they’re in no way superior. Android and iOS both have their pros and cons. To list a few, iPhones lack fast charge technology and Apple still refuses to switch their dated lightning cable to a modern usb-c cable.

[@TheScaith]

@Rocky The only thing I would argue Apple is superior with are notebooks for work. The phones are simply in so many ways disappointing, like coming with a trash charger, offering no SD card slots and ridiculously small storage, low resolution screens with big ugly notches, small batteries and low ram, all the while being priced far above the phones they actually compete with. Sure, the processor is the best on the market right now, but who cares. This is a phone - not a gaming PC. I'm not going to sacrifice anything to make it run some mobile game 7 fps faster. Not to mention high repair fees. While this is opinion based I also prefer Android over IOS, I want to customize my device to however I like. While not having a universal design that goes across all apps and lacking the simplicity of IOS at some parts, Android just feels more free.

[@TheScaith]

@Rocky That's a totally reasonable argument, of course. IOS has a sleek design that goes across all apps and that's nice. I, personally, just find it way more important to be able to customize it to my liking. I can't say anything about tablets, because I have no idea. I heard good things about the Samsung tablets, but I really can't judge. There's also the thing that if you're already in the hole that is Apple's ecosystem, you're in many cases better off going for more Apple products, since they at least work well together. I was mostly thinking of Iphones and Macs, Macbooks are probably the best Notebooks for working on the go (If you don't care about money) and Ipads may also have their good points. I just found your original comment to be unreasonable, I'm annoyed by all the people that never had used an Android phone, except that one time they got a really cheap one and are complaining how much worse it is than a newer Iphone for five times the price, or not even realizing that Android is just an OS that's used by lots of competetive phonebrands and that Apple is only one of them. Well, the most important thing is that you are happy with what you have.

[@thundergato84]

@Rocky To you, but to others iOS just isn't for them.

[@jpwolf1701]

Apple's motto: "There's a sucker born every minute"

[@petermalasiewicz6740]

Needs more likes 😂😂😂

[@jovanrodriguez7796]

Lmao

[@jpwolf1701]

@Chris M Apple is shite, overpriced bling, that isn't well made for the money and they treat their customers like idiots. I don't waste my money on vanity, just things that work!

[@JM3lol]

jpwolf1701 it’s not overpriced

[@Rick-kv3gl]

From a tech perspective, it's massively overpriced. Last year's hardware at next year's price

[@viktoriya2145]

Forget about the AirPods. Now everybody will be flexing with their Apple card 😏

[@mama-cg5ri]

@Viktoriya just focus on your gold digging for now😏

[@PeytonHelmProductions]

I will be one of those people 💁🏼‍♂️

[@falconkidjt]

I'll return the favor by flexing with my Amex Gold 😎

[@viktoriya2145]

@@itsgiodudez crazy is good ;)

[@MadMaxJuggernaut]

I still laugh at the fools that buy airpods when you can get juste as good for way cheaper

[@chrisnotap]

At 3:45, I think you may be incorrect . If the store has" tap", it accepts apple pay which is pretty well everywhere. If you ask the clerk beforehand "do you take Apple pay?" most will say no because they don't understand what apple pay is or how it works.

[@RayPossibleGT]

Yup I don’t think you actually need Apple Pay cause they did say it is usable worldwide and we all know Apple Pay isn’t available worldwide

[@areebebrahim39]

True that there are many places that take Apple Pay but there are also many that don’t. One of the biggest big box stores, Walmart, still doesn’t have Apple Pay at their registers as of August 2021! Like Walmart, many places still don’t have Apple Pay.

[@chrisnotap]

@@areebebrahim39 Yes. To be clear.....if your iphone accepts you entering the card info into your iphone wallet, apple pay will then work at any machine with tap. If your iphone does not accept entering the info into your iphone wallet, then no, apple pay will not work. A good example for me at the moment is Costco here in Canada. If I try to enter the card info into my apple wallet on my iphone, it does not accept it, therefore it will not work. I still have to physically use the card to tap it. Companies pay a percentage to apple for the simplicity and ease of using apple pay. Hope I've explained that ok.

[@macumbeiro_xx]

I'll be waiting for your next video "Why I eventually ended up getting the Apple card"

[@yueyue7514]

Lmaooo legit

[@userricksanchez]

*11 months later* *still waiting*

[@macumbeiro_xx]

@@userricksanchez yup, it seems I was wrong on that one :p

[@Beyond_That0]

@@macumbeiro_xx I mean he did eventually get it tho...

[@nikki1022]

My discover card has had that spending breakdown for years

[@Array_of_objects]

We will counter sue. Windows credit card coming soon

[@Alexander_l322]

Zune card! Microsoft don't steal my idea!

[@KENDRAPR1]

oh god

[@realestateratpack341]

Bill Gates in the comments section. This is on another level. :D

[@zapdos8441]

Lmao

[@violaokemaysim6803]

Bill Gates lol

[@CarsonSuite]

Credit card collector? How can you resist that titanium if you just “collect” them.

[@jsolstice19]

Carson Suite that’s what got me confused a little bit 😂

[@kennguyen1066]

Dude works some $hit bank.

[@TMWT]

He doesn't blindly collect every credit card

[@icamrandom]

ClearAsDay yea but still its a cool card I would get one just cause I like the aesthetic

[@al3ndlib]

You know half of these youtubers have to make a content to stay relevant and make money. They would literally make a whole 10 mins video of something they don't agree with just because they know you're searching for it. Saying something negetive in the title about something that supposed to be good and innovative, attract alot of views.

[@harryallenpearce89]

I love my Apple Card. There’s zero financial advantage to buying a meal with it, but the look on the waitress’s face is priceless.

[@MarkReese]

Haha 😂✌ Do you still get reactions when using the Apple Card?

[@kelvinhau7320]

“Iwould rather text a robot than call a robot”😂😂😂😂

[@Caspertraderofficial]

Graham prefers using his exclusive avocado toast credit card where he recieves 1 free avocado toast sandwich every video he makes.👌

[@GrahamStephan]

How'd you know?!

[@justSTUMBLEDupon]

Somebody make this t-shirt

[@verycutetaco]

The Amex Avocado Preferred ™

[@miroz79]

lol!! Avomex Preferred

[@aaronlopez9413]

True dat!

[@TheKyroar]

Bro thanks for teaching me more about my Citi 2% back card 😭 that 2 year warranty is sick.

[@GrahamStephan]

🙌🏼

[@joseimpact]

dude i needa apply for a citi card too haha

[@Lauren_C]

I just got the Double Cash card a couple weeks ago here. My first "big kid" card, per say. I prefer to mess with card applications as little as possible, so a good long-term card was the appeal over signing bonuses

[@eryck888]

Smokey right I’m going to get this now 😂😂

[@CashMoneyKC1]

I’ve had mine for years it’s one of the best cards. I get hundreds of dollars back all the time. It’s a good all around card and pay it off every month. Graham knows what he’s talking about obviously.

[@fender0strat]

I didn’t want to get an Apple credit card, then I watched this video why he doesn’t want to get it. Now I want to get this card!!!

[@NoBoDys1000]

This card is for us mobile gaming addicts. To get something back when spending thousands in micro transactions

[@LilBleachThaGod]

David Garcia as a Pokémon player I support this message 😂🤷‍♂️

[@MarkReese]

Haha hey David! Does that mean you decided to get the Apple Card (and got approved)? 😃💳

[@f1ggyc]

2% on Apple Pay is a lot more viable in UK and Europe where contactless is basically everywhere especially since there's no fees

[@benfaulkner9434]

Yeah most eu places accept Google pay and Apple pay.

[@terencetcf]

And a lot of cash back credit card only give 1 to 0.5% cash back

[@josepengland]

Everywhere in the UK pretty much accepts Apple Pay

[@jaebird789]

I'm in the UK and exclusively use Apple Pay. I've never found a place that doesn't take it. I didn't even realise the the rest of the world doesn't have it as standard!

[@Luke.S99]

@@jaebird789 Same, reading through these replies I had no idea that the rest of the world, especially the US, doesn't have it everywhere. I use GPay pretty much everywhere unless I have to use cash

[@aliaziz8047]

ill just wait for the apple credit card 2

[@GrahamStephan]

That's what i'm holding out for

[@mrtechpat]

Wouldn’t they just send a new one Or it be updated if new features came out ? What you initially get is the ‘credit line’ Not just a product but a service too

[@BSDOWNZ]

I just got this card. I’ve had zero issues being able to use Apple Pay anywhere. Tested out the installment feature from the Apple store on a new iMac, love it. I use this card as my daily driver as I work on the road. I’ve accrued a couple hundred bucks in cash back already. But like most cards, you should only really get it if you’re going to pay your balance off in full every month.

[@MarkReese]

Hey BSDOWNZ - awesome to hear that you've been having a great experience with the Apple Card! Do you use it along with any other cash back cards?

[@EPICWILDETAILING]

This is why I won't be getting an Apple Credit Card: I have an Android

[@kayhershey6390]

EPICWILTIME hey if you have a bank account and want to earn extra cash text me for more information: [phone]

[@therobnfw]

Ah really? No-one’s perfect. 😂🤷‍♂️

[@therobnfw]

Artoria Pendragon hahaha if people have money to spare and like things that work perfectly then why not?

[@Cander5142]

Artoria Pendragon All flagships are now in the same price range as the iPhone and iPhone is ahead in CPU technology, Face scanning technology, photo processing technology, and now AR technology. All theses so called better phones only advertise some bigger numbers that don’t really amount to that much in actual real world usage. You are the same type who buys cheap telescopes that advertise “500x ZOOM!” and think “we’ll that expensive telescope from Orion only has 100x zoom. Clearly the cheaper is super technology”. Of course you aren’t actually looking at the numbers that actually matter like how much light it can take in. Zoom means nothing if it doesn’t have anything t zoom on due to lack of light.

[@RationallyMe]

@@Cander5142 You typed all of this for what... to prove how much of a sheep you are? Is Apple paying you a commission? I hope the Apple Kool-Aid isn't poisoned because if it is, you are already dead at the time I'm typing this. "You are the same type" to buy the new I-Phone every nine months-- on a payment plan-- while living paycheck to paycheck.

[@claytonhardin6541]

“Here’s why I won’t be getting the Apple Credit Card” Graham: (proceeds to compliment Apple Credit Card in the entire video)

[@GrahamStephan]

😂

[@werwerqweqwe]

He did explain that he wasn’t the target consumer for the card.

[@AnwenBeingAnwen]

Apple: SUE

[@bruhdabones]

Clayton Hardin his score can not afford another hit

[@prozombie6768]

Bruh for real haha

[@soysaucesushi]

Can you make a “what to do when you turn 18” video?

[@GrahamStephan]

Sure!

[@customgaming3017]

This!!

[@brandonrosa5524]

Yea

[@kaiserkase3462]

Graham Stephan do it so I can send it to my sister

[@NikA-wr6px]

Graham Stephan yes I’ll be 18 in June

[@doom8171]

The 3% cash back isn’t just for Apple hardware it’s for all there streaming services there iCloud services as well. So iTunes, AppStore, iCloud, Apple Music streaming etc.

[@Joseph-on7nf]

8:27 "I'd rather text a robot than call a robot" I'm deeeaaadddd

[@MarkReese]

Hey Joseph! Haha hilarious part of the video 😂 Did you decide to get the Apple Card, too?

[@TheMonkWay]

Good to see such a non biased review on this card. I do wonder if it's coming to Canada

[@GrahamStephan]

I bet it will!

[@bkbrown5881]

Monk, just think of all the stocks we could buy with this bad boy!!

[@TheMonkWay]

One Apple stock on my Apple card please

[@Kushert]

@@TheMonkWay Sure..... That qualifies for 5% cash back rewards for any future Apple stock purchases.😃

[@yazdbanaji4945]

Graham Stephan what about Europe?

[@MrSmallANDLoud]

I trust my bank more than I trust Apple. I don’t trust my bank.

[@GrahamStephan]

Samsung will help you with that

[@MrSmallANDLoud]

Graham Stephan my mere habit of buying Apple iPhones took a hatchet to the head with the 1,200 dollar brick that is the iPhone x

[@Numb_]

@@MrSmallANDLoud 👏🏼👏🏼👏🏼 felt that

[@jgonz1325]

Graham Stephan true Samsung rolled out that crypto wallet

[@rayb6852]

Get your money out

[@pugluvnapril79]

I got it just to build my credit score. It was easy to apply/get approved.

[@chasepackard3311]

is it good for building credit?

[@MarkReese]

Congrats on your approval for the Apple Card! Has it helped you build your score while earning cash back along the way? 😃💳

[@TreeSawyer]

You just convinced me to get one.

[@kayhershey6390]

hey if you have a bank account and want to earn extra cash text me for more information: [phone]

[@charlesetwaroo5796]

Kay Hershey no

[@lilcurry1813]

Kay Hershey nope

[@madjangt4181]

@@kayhershey6390 ok

[@KiKiCarr]

Can you teach us about how to pick credit cards like you ?

[@thetruthyes]

Is there a better credit card than the Costco Visa credit card?

[@spazzman90]

@@thetruthyes If you have Costco Visa then you are most of the way there. Citi double cash is the rest of the way. So use Costco Visa for 4% on fuel, 3% on restaurant and travel, and 2% on Costco purchases. Use citi double cash for 2% on the rest of your every day purchases. Oh and if you are Amazon Prime member, their card offers 5% on all Amazon purchases. That is pretty huge if you use them much.

[@richardson6501]

A question for everyone here, why do I need to have a credit card, can I live without one?

[@spazzman90]

@@richardson6501 Credit cards are for people who like convenience and free cash. Not sure how easy it would be to live without one with all the online shopping and such these days....

[@thetruthyes]

@@richardson6501 yes you can. I only use one occasionally. Theres not really a need if you have cash.

[@ScoobieDoobie197474]

Graham Stephan, the type of guy to have a chalk board in his kitchen and keep it immaculately clean and seemingly unused

[@expressivepets1]

My thoughts.

[@CityLifeinAmerica]

Can’t unsee that thing now!

[@luzejo28]

Haha! Good observation there! :D

[@HadouGun]

It would probably only say Avocado Toast.

[@angiedagamer5771]

Even the vending machines at my school accept Apple Pay wtf

[@ThatCrazyGamerz]

Dude that’s epic

[@elexustilmon]

Same, almost every restaurant and grocery story in my area have Apple Pay

[@LoveThatRod]

Like EVERYTHING is available in the Valley - right? Signed, 90210

[@DPMixing]

Seriously the places that don’t accept Apple Pay these days are few and far between. Even a bunch of online websites take Apple Pay.

[@badgameplay493]

Do you have a vending machine in your school?

[@reaganroberts4821]

Whenever he talked about Dr. Phil’s comments being turned disabled... I got a little emotional

[@ChromeToasterInc]

The 2 year warranty from Citi doesn’t cover repair costs like AppleCare+, kinda misleading to portray them as the same thing

[@haasvitamin]

my thoughts too. Applecare is far more than Citi's warranty

[@StigmataMartyrz]

Exactly!

[@Meechie4]

Agree

[@Willster7471]

First time hearing of citi’s extended warranty. What does it cover? Does it just turn apples 1 year limited warranty into a 3 year warranty? Also does apple rlly respect the warranty if u went to repair a phone 2 years after you bought it with ur citi card?

[@ChromeToasterInc]

Willster7471 yeah it’s just a longer manufacturing warranty and it involves going through Citi and only applies if there’s something wrong with your MacBook. AppleCare+, you just take it into a store and they fix accidental damage AND anything that’s wrong on the manufacturing side

[@businesswithsam]

Once again graham has saved me a couple hours of time researching this for myself. Thanks for your service!

[@GrahamStephan]

ah thanks so much bro!

[@upfulsoul826]

You should still do your own research.

[@being_netizen]

Say this with ftx

[@stealthhunter6998]

The best part about the card is the wallet app, UI is amazing. Something other credit card companies should do.

[@charty_char]

You can add any card to it. You just don't get the graph. I like the fact that you can change your card number whenever needed.

[@ThePunisher-mg5cy]

The approval takes literally seconds (you can utilize it IMMEDIATELY) and then in 6-8 days you get the titanium card.

[@ShadowRaptor8]

Just go for the Amazon Prime Visa Signature card. VISA benefits, no annual fee, no FX fees, metal card, and 5% off everything on Amazon (or 3% if you don't have Prime)

[@GrahamStephan]

Good point!

[@orangeVSappel]

But make sure Prime is actually worth it for your needs. After one year of prime membership, I came to realize that a lot of things I was purchasing on Amazon was actually much cheaper at my local target or Walmart. Realized I was actually loosing a lot of money buying most things from Amazon, so immediately canceled my prime membership. I think many people don't realize this and blindly shop on Amazon 100% of the time.

[@ShadowRaptor8]

@@orangeVSappel I think Prime is definitely worth it considering I use Prime Video a lot too. However that's besides the point, even if you decide Prime isn't worth it, you still get 3% off with the non-Prime Amazon Visa, with no annual or FX fees (but the non-Prime card isn't metal so ¯\_(ツ)_/¯)

[@CT-um7zq]

@@orangeVSappelor, you can share you Amazon account membership fee My brother , sister and I share her student Amazon prime membership, and we just pick up stuff at the lockers. It comes to be about 2 bucks a month for each of us.

[@orangeVSappel]

Agree if you share it with someone it can be worth it and especially if you watch videos using prime. I just wasn't. My college email expired so I can't really make use of that anymore unfortunately :(. I just wanted to merely point out when people buy every single thing on Amazon, maybe they should try and shop around a little bit. Especially household items from what I have noticed. With the prime rewards card, I would probably end up paying 20 - 30% more for a lot of items on Amazon just to get that 5% back. But that's just my case. It might work out perfectly for others.

[@SeanSuppleebiz]

I love how apple Is always 1-3 years behind on everything and then talk it up as if their stuff is amazing. I have the citi card didn't know it offered the extra warranty that's pretty sweet!

[@GrahamStephan]

Agreed!

[@orangeVSappel]

Yeah a lot of more recent cards do. My Amex Gold card has it and I think the new Citi Costco card I just got has it as well

[@syedmahdi3123]

While Apple is usually never on the bleeding edge of technology (or finance in this case), you have to admit that when they do come out they tend to be very slick and already have 99% of the issues ironed out. For example, they have done facial recognition (something many other phones have already done) much better than any competition out there. Even touch screen phones in general were already available before the first iPhone came out, but that first iPhone took the touch screen idea and made it better. That's what I think Apple does when its all said and done, and as an Android and Windows user I have to admit that Apple makes sure that it doesn't put out half baked products. However, I can't really speak on this Apple Card since I don't really know enough about this in general.

[@RayPossibleGT]

Syed Mahdi I agree. Though Apple can be years behind, I always gave them credit for having a perfectly TOP notch feature that beats their competitors’. They always provide the best for their customers but they are also restricting too much

[@syedmahdi3123]

@@RayPossibleGT true, lately it feels like more form over function, but apparently thats what people seem to want so what do I know I guess

[@marie-eve822]

Honestly this video made me want one

[@D_Dowg626]

Marie - Ève haha! Same! he seems salty what bank is not trustworthy 🤷🏽‍♂️

[@ashesrockstotaldrama]

Same lol

[@joelsalvador4994]

D DOWG He’s a Millionaire. Trust him lol

[@ashesrockstotaldrama]

Joel Salvador good point!

[@btirador]

Why? It is not a good card

[@Ash_Rein]

I use Apple Pay at about 95% of my transactions. So I think it’s a chance to get good chunk back

[@rat5800]

Vash Rein O.o

[@CorporateShill]

Businesses should charge you for using credit cards

[@Ash_Rein]

Kevin they do. They definitely do

[@CorporateShill]

Vash Rein That’s awesome. Good for them

[@CeleneDiedrick]

Same

[@influencerunchained-digita4763]

While their products may not have historically had the most bang-for-buck, I gotta give it to Apple for knowing how to create trends!

[@GrahamStephan]

Absolutely!! Next would be banking! ;)

[@dh2266]

Definitely true however it helps to have a cult following that thinks you can do no wrong.

[@Commievn]

@@dh2266 its the benefit of being the first/pioneer. Just look at Nintendo. Honestly their consoles are so underpowered, the interface is kiddy and 3rd party are no where to be found. Yet they are still making big money, why? They have massive fanbase, tech dudes and gamers respect and support them. Its the benefit of being a pioneer.

[@365Tech]

I agree so much!

[@Je.rone_]

Not a bank.... Apple's marketing department is funny.

[@GrahamStephan]

;)

[@ian_bruh1]

Lmao I just realized that another benefit is that your kids won’t be showing those wacky numbers on the back to the internet anymore

[@nikitatokmakov1992]

Here in Canada I only use my Apple Pay with my phone , like last time I used my card is almost 3 months ago

[@hxpewxrld]

Because tap/contactless pay is common here. In America it's very uncommon.

[@mobious01]

If it was me working at apple i would have said. 1% using card 3% with apple pay 5% apple store purchases. That way you make more people use apple pay and the 5% bonus might make more people go visit stores

[@GrahamStephan]

Agreed!

[@Marco-em2in]

mobious01 That’s too generous considering that there are no cards that offer that much. I would have said 1.5% using card, and I would keep everything else the same as Apple. That way the card would compete with 1.5% cash back cards and has the potential be a 2% card when using Apple Pay.

[@BlowitAllUp]

I agree. I get 3% with online purchases with Bank of America Cash Rewards, so I can just buy Apple products online. I get 2% grocery and Costco. I get 3% restaurant and 4% gas with Citi Costco Visa. The cashback I get at the end can be put back into my bank account so I can get more cashback off of that.

[@Richard-ie1if]

@@Marco-em2in there are cards offering 2.5% 2% is "good" nowadays....2.1% for the gimmick to make it fun.... 5% for apple products is a joke as best buy is happy to do the same thing....

[@thomassutherland5188]

20% if buying actual Apples🍎.

[@zaidsoulat6331]

Sucks for Americans that Apple Pay doesn’t work in most places, in the UK, wherever you can pay buy card, you can pay with Apple Pay

[@damn68]

Dude, I hate to say it. I am a 51 year old man, but I take all my financial advice from ur videos. No pressure, brother keep up with ur honesty sir.

[@MarkReese]

Hey Gabriel - great that you do your own financial education 😃👊 Have you started your credit journey already?

[@Ezmony_]

“Rather text a robot , than call a robot.” knowledge

[@GrahamStephan]

Facts

[@live2dogood]

You could always try GetHuman (probably not for Apple Credit Card).

[@vladik210]

"People collect stamps. I collect credit cards. It's my thing and I already have 13 of them." This guy sounds like an alcoholic who says that he won't take another sip. LMAO

[@GrahamStephan]

Hahaha 😂

[@jackdebord8905]

vladik210 dont see the correlation at all but okay

[@classicstorm]

Oh my gosh I should've watch this before I got the card...

[@andreijikh8459]

Thanks for the feedback.....for more information *+1/6./1./.7../4./..6./..5./..5.../3../4../7* W •H•A•T•S•A•P•P.••••M•E 🔅 💯...............

[@MarkReese]

Hey there - since you decided to get the Apple Card, have you found that you like it? 😃💳

[@Mario-jj5wk]

“Okay I gotta give apple some credit on this one, ha get it” has me wheezing 😂

[@aakash0910]

Damn citi gives 2 year extended warranty!!

[@Sulfen]

I'm pretty sure that all Citi cards do that. I have a Costco Citi card that does that as well.

[@hoherspatz9573]

I'm actually more interested in getting the citi card, after watching this video

[@adminofsugas]

Usually credit cards (not all do) add extended warranty

[@CalebDesigns]

i honestly don’t know many places that don’t accept apple pay.

[@katpassword1493]

Target don’t ):

[@oldskooler81]

@@katpassword1493 Target caved. They are accepting it now.

[@Deuxiit]

Come to finland. U need to find place that takes it

[@lilrayden2726]

Deuxiit i honestly have to find a place that doesnt take apple pay 🤠

[@jiayusun7]

It’s really difficult to find a place that accepts credit cards but not Apple Pay

[@josephvillalta9478]

Me watching this in 2022 where every single store has Apple Pay now💀

[@MarkReese]

Hey Joseph - haha yep, I can use Apple Pay at a lot of places as well. Did you decide to apply for the Apple Card yourself? 😃💳

[@jollyrott3nn]

Any new tradeline is good for boosting your score if you can keep the balance low. I got a $700 limit with no hassle, and that increases my available credit, which will increase my score. I dig it.

[@MarkReese]

Hey Jolly Rotten - yep, great perspective to have! 😃👍 Was that $700 limit for the Apple Card?

[@whoeverwhoever400]

will I get discount if I buy apples in the grocery stores?

[@johntucker3992]

yeah 2% if you use apple pay and 1% if you use the card

[@The1707regina]

John Tucker I like your thinking. Good idea 💡

[@Cam0712]

Yeah

[@monsterr9187]

Only if you purchase apples. Oranges don't give discounts, unfortunately.

[@AgentSmith911]

XDDD

[@uhohhotdog]

I’m surprised apple hasn’t just started their own bank. 3% back on apple products is a little disappointing. I was hoping 5% like amazon prime.

[@GrahamStephan]

Agreed, 5% would've started to make a difference!

[@dh2266]

Yeah, 3% is too low. Even 4% would stand out. A lot of cards have a 3% category but VERY few have a 4% category - I can only think of two and one has an annual fee and one doesn't.

[@Poker-is8dt]

I get 100% off on Apple simply buy not buying their overpriced "trendy" garbage.

[@SimonElias]

It should be 5% in the Apple store like Target does with their redcard. That 2% extra wouldn't hurt their profits and would probably sell more in the end.

[@r3sianon975]

They almost went bankrupt once, and Bill Gates bought a ton of their shares. Why would you want to put your money there?

[@UltracoreUltraUranium]

When Graham "Avocado toasts on the weekend..." He's on fire 😂 Me: 😂 avocado, Graham you're something else with the comedic timing.

[@V_MA]

The Extended Warranty on electronic purchases by Citi Bank is Not offered anymore.

[@Mak12368]

I got a feeling hangover part 4 is going to be 20 minutes long.

[@GrahamStephan]

thanks to apple ;)

[@OLahh29]

Not if they use android phones for the movie lol

[@justicewarrior9187]

Now you can become a homeless with an iPhone in your pocket!

[@GrahamStephan]

🤯

[@Branman345]

😂😂😂

[@lamurcribb985]

Jordan Sharpe why not 🥳

[@TimpossibleOne]

You must be homeless with all of those non Apple credit cards you have with their high interests and tons of fees? No? Then why would am Apple credit card make got homeless? That's one of the stupidest Apple hate mongering comments I've ever heard.

[@werwerqweqwe]

Jordan Sharpe If Apple made a smartphone that was 10 years ahead of the competition in every department and priced it at 100 dollars more than the competition, you would still be complaining about the price. The real sheep are those who hate something just because it’s the popular thing to hate right now.

[@victoriamorrow3387]

This totally makes me want to get this credit card lol

[@LilBleachThaGod]

Victoria Olas it’s no annual fee And looks cool if you have a couple free inquiries it’s worth getting if it’s your last inquiry not so much ! However sometime this year I’ll get it just waiting on my inquiries to fade which will be sometime later this winter

[@ArnabSanyalakaDeathStroke]

3 credit cards right off the top of my head with 0 annual fees, no foreign transaction fees and much better perks, including signup bonuses (and I own all three of these cards) - * American Express Hilton Honors (AMEX with no foreign transaction fees) * Deserve Edu Mastercard (MasterCard with no foreign transaction fees) * Bank of America Travel Rewards Card (VISA with no foreign transaction fees) On top of this there's Discover Cards with no foreign transaction fees, i.e. if you can get a merchant outside US to accept Discover Cards :)

[@bottomlineinvesting-bradle7609]

Apple blowhards: "Have you heard of this thing called a credit card? It's crazy, you don't even need cash to buy things. Apple, always changing the game."

[@GrahamStephan]

LOL!

[@johncmoore416]

and it's medal too!!!!

[@zjgvergara]

This is the first iteration of the credit card. Soon there will be Apple Card X (in about 10 years) 😂

[@CityLifeinAmerica]

zjgvergara It’ll cost you $1000 a year just for the privilege of carrying the card with you.

[@michaelsledge3904]

😂🤣😂 underrated comment ! Apple users are a joke

[@devonpeters8205]

Wow - I didn’t know the Citi card provided an extra 2 year warranty on electronics. That’s great.

[@GrahamStephan]

yeah it's awesome!

[@mobious01]

Graham Stephan i have the card and had no idea as well.... is the extra warranty automatic? Or you have to contact them?

[@SimonElias]

@@GrahamStephan It's not Apple Care though. You're acting as if it is.

[@RayPossibleGT]

Simon Elias but Apple Care is the only way you can get warranty unless you got your phone from a career plan where they have their own warranty placed

[@juicybullfrog]

Me neither. I used to think only AMEX offer the extra 2 years warranty.

[@NateAzzopardi]

5:40 I don't know why I laughed so hard... *Tai Lopez screams in distance*

[@GrahamStephan]

;)

[@keveranarts6088]

My man looses a credit card and has to spend a few hours finding out which one it was just to close it

[@offgamer5724]

In the middle of last month of the year 2019 , I was reading an article about a particular credit repair agency raising their credit score from 300 - 800+ and how their clients were happy about was just reading this as a news article and surfing through the comments on google when a simple comment from a user in google caught my attention so i decide to get in touch with the company and he help me increase my credit score from 605 to 800+, he also deleted all my negative reports and raised FICO score to 810 now i’m free to purchase the kind of house i want , thanks a lot SAMHACKSTECHNOLOGY☯NET

[@MarkReese]

Haha did you decide to get the Apple Card over the past couple years? 😃💳

[@keveranarts6088]

@@MarkReese I can't sadly, it's not available in Denmark

[@BuildTitan]

You’re so smart for addressing this trending topic. Always using opportunities (to get more viewers)Graham. You’re a master.

[@GrahamStephan]

had to :)

[@Millermoto]

"or remember your mother's maiden name" 🤣🤣

[@AgentSmith911]

What are the credit limits? Some cards don't let me complete purchases above $100k and that is sometimes bothersome.

[@jakehill2603]

lmao

[@Cleighcade]

What are you buying!?

[@AgentSmith911]

Cars and stuff

[@kasketTube]

Bet, let me hold 5k all i need to get back on track. College student who pay outta pocket and have rent don't joke lol help my future 😄

[@DewTime]

Most car dealerships aren’t going to let you put your car on a credit card.

[@AyratHungryStudent]

This is the best ad I've seen.

[@MarkReese]

Hey Ayrat - did you decide to get the Apple Card? 😃💳

[@alondaguillory]

I’m sure you have to have a 800 credit score to qualify. I like to buy and pay for my stuff up front so I don’t owe anybody anything.

[@EmptyWell]

You can pay off Credit cards straight after purchase. Treat it like a debit card, paying off the balance as they come, and you won't have to pay interest, as well as getting cash back. Also, if you want to qualify for a car loan/ mortgage, you'll want to start building credit.

[@db4a]

Actually, it will be much easier to get an Apple Card. Since this is a no fees at all card, the more people that can get an Apple Card is how Apple will make their money. Most people won’t pay off their credit card in full and Apple will generate much revenue from all the interest charges. So while Samsung is playing around with foldable phones, Apple will be making serious money with their new credit card. And this is just the beginning.

[@alondaguillory]

I never thought about it like that. Plus I never get approved for anything because I pay cash for everything. But I’ll try

[@matthewyabsley]

Alonda Guillory - Fun fact. Everyone that can’t get a credit card says the same sort of bullshit.

[@alondaguillory]

I have 2 credit cards but I haven’t checked my credit in so long I don’t know if I will qualify. I had 2 surgeries and have been off work for a lil while so some of my bills fell behind until I get back to my full rate of pay so that’s why I thought I couldn’t qualify. But my daughter is graduating and going off to college. And if I get denied now I’ll never get one in the future

[@DamonNeal]

*Because it's rewards are LAME* Summed it up for you impatient folks

[@ScoobieDoobie197474]

Damon Neal the hero we need but don’t deserve

[@franktorres7963]

Rob G Damon, Neal changed my life.

[@benjamin7114]

With time i'm sure they will offer rewards , just have to trap some defaulters into the debt cycle first then what they earn from them can be gifted to those doing well .

[@marceldiezasch6192]

Goldman Sachs stated that they are considering to launch globally at some point. While not special in the US market, 1 to 3% cashback would be huge here in Germany. The best you can get is 1% with a card that's totally unattractive in any other aspect. Generally good cards have 0 to 0.5% cashback over here...

[@gnanendraprasadthalapaneni4919]

Mistake 269$ at 04:56, it's 249$, love the sarcasm of solving hangover movie with Apple pay !

[@MarkReese]

Hey Gnanendra - did you get the Apple Card yourself? 😃💳

[@Aoleon]

“I would rather text a robot then talk to a robot...” lol hilarious. But one of my best friends in the whole world is a robot!

[@kayhershey6390]

Aoleon hey if you have a bank account and want to earn extra cash text me for more information: [phone]

[@MarkReese]

Haha hey there - did you decide to apply for the Apple Card? 😃💳

[@graisen.nicholson]

Avocado credit card!

[@GrahamStephan]

YOLO

[@brakernight7881]

Please direct me to this avocado thing i keep reading about thanks

[@SteveWiIIDolt]

Only 13 credit cards? Those are rookie numbers! You've got to pump those numbers up.

[@GrahamStephan]

😜

[@inquisitive8903]

We have like 60 banks in India offering credit cards...move here.. Dont u pay annual charges for your cards..i have 3 n i hardly use them.thinking of cancelling

[@shpawn5323]

balaji karthik who would want to move to india tho

[@inquisitive8903]

How many banks in total?

[@thetribalthief6330]

A couple of positives. 1 is Daily Cash is unlimited, no cap on how much you get back in rewards. The reward % are definitely poor but I do think the 2% on Apple Pay have potential if Apple Pay becomes widely accepted especially by smaller regional stores and services.

[@kaylahenry6477]

Where have you been all my life 🤦🏻‍♀️ why have I been watching all these makeup gurus cat fighting 🙄 new subscriber 🥰

[@ohZyki]

Apple wants to know how much everyone spending on what products and this is a way for them to track all their users then optimize prices of their products to what people are spending.

[@GrahamStephan]

Could be

[@__hazel.]

Apple doesn't collect data from what and where and how much people are spending with this card. It's all on-device (apparently)

[@sniff4643]

apple is very good for security and privacy, they don't know anything about your spending, it's all very secure with Apple.

[@tieman3790]

VoiceOverPete: all I need is your credit card number, 3 lucky digits on the back and the expiration date This guy: which credit card???

[@GrahamStephan]

😂😂

[@magnum5563]

Exploration date. I need that on my card. 😂

[@tieman3790]

@@magnum5563 please dont make fun of my unintelligentness

[@Simmybnewy]

No longer have extended warranty with citi double card. Also it isn’t 2%. It is 1 % UNTIL you pay it back. So most will incur APR fees on top just like everything else.

[@macawso]

So? Just pay it back on time. There's no reason people should be spending money that don't have using credit cards. These bonuses reward those that pay back on time.

[@Simmybnewy]

The credit card game is a billion dollar industry. I wouldn’t tell people it is 2%. It is misleading. Tell them it’s a charge card that you have to pay every month. Most people probably close to 80% -90% carry a balance. I would use the Capital one platinum that would give you 1.5% cash back right out the gate. If cash back is your game.

[@teenagesky]

Finally someone who discusses what actually matters.

[@MarkReese]

Hey Isis - did you decide to get the Apple Card yourself? 😃💳

[@informedtradez]

Graham always on top of trends!

[@GrahamStephan]

Had to :)

[@GregKeane]

a metal card...here comes bend-gate ver 2.0

[@BarleeCarlee]

I have a metal credit card. And when my card # got stolen, I was told to "destroy" my card. I couldnt break the damn thing. I was able to bend it into a wide v... And it stayed that way.

[@GregKeane]

LoL

[@anonymous05067]

isn't Amazon Prime Credit Card metal too?

[@BarleeCarlee]

@@anonymous05067 mine is a capital one card :)

[@paulwilliams2024]

Greg Keane metal Card are more durable

[@randyvillapando1212]

The card itself is very well designed, made in titanium. I would get it because I think it's a collector piece.

[@MarkReese]

Hey Randy - did you end up adding the Apple Card to your wallet? 😃💳

[@TenaiyaImani]

What made you go from “gently tap” to “destroy” the like button? Great rundown in this video

[@andreijikh8459]

Thanks for the feedback.....for more information *+1/6./1./.7../4./..6./..5./..5.../3../4../7* W •H•A•T•S•A•P•P.••••M•E 🔅 💯...............

[@MarkReese]

Hahaha I'm seeing this a year later & am now wondering the same thing 😂✌ Did you decide to get the Apple Card?

[@TofuProductionCinema]

I wish companies would do reaction videos to your videos, I would find it highly amusing. Great stuff as always, Graham.

[@GrahamStephan]

hahah i'd love that!!

[@ZacharyLaid]

You'll be waiting for the Avocado Toast Credit Card These jokes will never get old...

[@GrahamStephan]

Avocado Jokes inside ;)

[@avocadotoast102]

Thanks man

[@ZenZudokai]

I personally have this credit card and I have to say I haven’t been disappointed with it. Do I wish they would offer a little bit more? Absolutely, but at the same time for general use it’s pretty good. All the stores I go to take Apple Pay so I get my 2% majority of the time in my local area. The data it shows tracking what I spend, when I spend it and where is very helpful and it’s helped me show where I shouldn’t have made some purchases. Overall, to me, the ease of use and having all the information right there at your literal fingertips is insanely helpful.

[@danialkirmani4085]

Bro I can relate so hard to when he was talking about the disabled comments

[@WinstonFiore]

Wait, no foreign transaction fee? That's a big selling point. Why wouldn't they include that in their video's list of fees they don't charge (6:30)? Side note, my favorite card, the Chase-Amazon Visa, also doesn't charge an annual or foreign transaction fee.

[@Nick-qc7wm]

Winston Fiore well I’m not sure if most foreign countries use Apple Pay

[@victorv714]

Winston Fiore traveling rewards Bank of America

[@chriskuva]

I have the Chase Amazon card and I love it too you’re right there’s no hidden fee HOWEVER you are paying the $99+ prime annual cost. So that’s like there version of an annual fee

[@stevegarip3654]

The miss in the analysis is the misunderstanding of Apple Care, because it also covers user damage (e.g. liquid, cracked screen, etc...) Citi, AMEX, w.e. won’t be fixing your MacBook at a reduced rate if you break it. Without coverage those costs are high. People often confuse warranty and insurance

[@bladerunner757]

To be fair Apple only offers the extended warranty and damage coverage as a bundle. I certainly only bought the Applecare for my iPad to extend the warranty, if they had a cheaper option to just extend the warranty I would have gotten that instead.

[@njsfer]

So you're telling me that if I buy an iPhone XS and after 20 months I crack the screen, they'll replace it without charging anything more? What about that "new" phone, will it have warranty also?

[@duketogo2616]

@@njsfer - There's a charge with Applecare+ which is the extended coverage option Apple offers within 60 days of purchasing a new device. It's a fraction of what you'd pay to repair your phone without it, and you're only covered for 2 instances of accidental damage. Once you've used it 2 times for damage, you still have the extended warranty but damage is assessed the full out of warranty repair price.

[@zachcox1928]

Well in my opinion I feel as if this card is a very good starter creditcard to build credit safely and with no fees

[@vossaucce]

Zach Cox yeah if your a lazy person

[@calebvogel7492]

But you have to have 650 credit score to get it

[@rickygomez8160]

“Make it free and make it metal “ couldn’t of said it any better

[@Shuksanaudio]

AppleCare and an extended warranty are not the same thing 🤔 I would definitely much rather have AppleCare than a credit card warranty.

[@gimmemycash3418]

Matt Dealy That’s a good point.

[@VincentPascual]

If I read correctly, you could get AppleCare and then get the credit warranty on top of that.

[@Samechii845]

Vincent Pascual has

[@ian_bruh1]

Yep he clearly didn’t understand the full benefits of apple care

[@VincentPascual]

I’ve actually had AppleCare on nearly all of the Apple devices I’ve owned. I’m well aware that in addition to the extension of warranty, depending on the device, you can have it replaced for free or some amount less than the full retail value. On my first MacBook Pro, AppleCare really came in handy as the device needed repair outside of the first year (the warranty I would’ve had without AppleCare). And I’m very happy that the Apple Store will take care of repairs/replacements for you. Although AppleCare and credit card extended warranty are not the same thing, it seems (based on my reading) that you can have one after the other. Have AppleCare for 3 years (that encompasses the 1st year that you already get) for a MacBook Pro, then take advantage of the extended warranty after that. If you paid with Citi or Amex, you would get the 2-year extended warranty. So you would have a total of 5 years of warranty coverage (although the first 3 are with Apple Care).