Apple Card review

I wasn’t planning on getting an Apple Card. We have enough credit cards. We simplified over the pandemic, notably closing an Amazon credit card from JP Morgan Chase. An email from Apple suggested the Apple Card, no hit to your credit for checking. I applied, I saw the terms, I accepted. My friend at Apple says the goal is to increase platform stickiness. There’s a lot to like.

The Apple Card is sleekly made of titanium, with only your name on the front. The card has a nice weight to it.

One of the reasons why I wanted an Apple Card was to get back at Goldman Sachs. You know the company that sold NINJA loans (No income, No job, no assets) before the 2007 to 2009 crisis, and shorted those loans to make a fortune. In a universe known for delayed karma and immense irony, it seems the Apple Card deal is not so great financially for the opportunistic investment bank.

“Who the f— agreed to this?” Young exclaimed in a meeting after learning of the details of the deal, according to a person present.


Top 5 abbreviated reasons for an Apple Card, from Apple’s site:

  • See if you’re approved with
    no impact to your credit score.
  • No fees.
    Not even hidden ones. (Note: I have never seen a card with no fees, of any kind).
  • Unlimited Daily Cash back.
    Real cash you can use
    right away. (Note: It’s true, once a transaction clears, the rewards go into your Apple Cash account every day).
  • Pay less interest. (Note: the card calculates in real time how much interest you will have for varying level of payments).
  • Your card. Your Info.
    Your business. (Note: Apple doesn’t sell your data for marketing or advertising).

As with all things, we’ll take an experiment and see how the Apple Card does.

Sincerely yours,


Published by smilingdad

My story is one of tragedy and redemption. We've made many mistakes along the way regarding our money. Our goal here is to show you how to take care of your money life long, and as much as we can, help the Earth along the way. I call it sustainable personal finance and ethical capitalism. Currently, I am a part time writer for Cleantechnica and part-time licensed financial professional, along with being a full-time dad.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: