I must keep this post brief and simply. As an Apple employee I can not review our products but I can share that in my wallet, I cary two cards. One, my Platinum Card by American Express, and two, my Apple Card.

Ninety-nine percent of all merchants in the United State accept American Express but for those occasions a merchant does not, there is a good chance they will accept Mastercard. My Apple Card is my catch-all and with 3%, 2%, or a minimum of 1% cash back, it adds up quickly for those purchases that don’t make it to my Amex.

I can share the reasons I find it most compelling. There are no fees—none—and the Wallet app on iOS helps manage your finances by showing you how much money you need to pay, total balance, statement balance, and interest you’ll pay should you carry a balance. It is very straight forward, no confusion.

My ethos around credit cards is that they should replace one’s debit card, for a long list of reasons, help manage your finances, and carry a few perks along the way. Apple Card was designed for this.

If you’re not sure what card to get, Apple Card is a simple, no surprises, good credit card. Can’t go wrong.

Pay off your balance every month, put it in Wallet, and use Apple Pay every time you can.

Rewards
3% Cash back on Apple purchase and select categories
2% All purchases using Apple Pay
1% All purchases using card

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