Originally Posted by
jags86
The problem with the Apple Card for FTers is that there is a strictly better card, the US Bank Altitude Reserve. Why earn 2% when you can get 4.5%?
Originally Posted by
josephstern
Without going crazy off-topic here, there are plenty of germane differences, and the biggest two are the annual fee and the form of the rebate. Yes, you can ameliorate most (but not all) of the annual fee if you play the game, and yes, you can cash out your points for travel credit if you play the game, but both do take time and have certain conditions and limitations.
Don’t you also have to have an existing US Bank account to get the Altitude Reserve? I think most people can get it but I remember having an issue with that as a New York resident (they didn’t give cards to people outside of their target markets are something).
Many on FT earn either 2x points back (Double Cash, Amex BBP) or 2% cash back. I have also found Apple/Goldman to be a pretty good lender (they have quickly become my largest credit limit through automatic and requested credit limit increases, which is nice for a no fee card). 2% minimum on a no fee card with no FX fees isn’t bad (I don’t believe I have ever swiped the physical card)