Decided to out of the box with this year’s credit card applications - focusing on no fee cards until next year. So far I have applied for and received the Capital One Savor One and the Apple Card. Apple Card terms were decently attractive (I checked last year when they launched and was denied for an odd reason). I have used the card via Apple Pay this week and just received the physical card today. I will likely leave the physical card in the stock drawer (though it is a cool looking card)

At the most basic level, Apple Card is a 2% to 3% cashback card when using Apple Pay either in person or online. 2% Apple Pay in person actually can come in handy for a lot of different situations. Obviously cards like Citi Double Cash are comparable, but Apple Card does give you your 2% immediately. 3% cashback on Uber, Nike, Walgreens, Apple are pretty attractive. I am not sure why this card got so much grief when it launched, it is a no fee card with a decent earnings structure, nothing wrong with that