Is the Apple Credit Card Worth Getting? #Best Education Page #Online Earning

all right listen up Dave fam all right

Kelvin David fam

all right ki when David fam a lot of

people have been asking you boy for his

opinion about the Apple credit cards

because I do know a thing or two about

credit cards I have like 60 of them

right here and have close to 10 million

points for Chase credit card so yes I am

a credit card at nerd so we did actually

go out and research the Apple credit

card and let's bring you what you need

to know about whether or not you need to

go and get one yourself before we get

into this it is important to understand

that you know you shouldn't go out and

get a hundred credit cards yourself if

you aren't a responsible spender right I

have a lot of credit cards because I

like getting free stuff only ever use a

credit card with the money that you have

and are able to actually afford to spend

and as for the Apple credit card I am

unfortunately not that impressed I'm a

big Apple fan myself I do have you know

iPhone I have multiple Mac books I have

multiple iPhones as well I have Apple

TVs right I have pretty much everything

that they've ever released this this

Apple laptop right here is close to

$5,000 right it has every upgrade that's

possible to buy and even some custom

stuff but the Apple credit card is not

that impressive so first of all it's

important to understand that the credit

card is made by Apple but it's still

backed by a traditional Bank which

happens to be goldman sachs and all

credit card processing for the Apple

card is going to be done through

MasterCard one of the cool features

about the Apple credit card is the fact

that it's going to make it very easy on

your phone to actually see how much

you're spending on a weekly basis right

it's going to be breaking down what

you're spending your money on and you're

gonna be able to view it very simply and

easily from your cell phone in a very

summarized kind of easy to absorb and

consume way which you know a lot of

credit cards purposely don't do with

their apps so you spend more and don't

even realize it sometimes so Apple you

know that is a very nice feature and we

thank you for that another cool feature

is the fact that you get rewards

instantly Apple said in their conference

that you should get rewards today not 30

days from now and that's why apple cart

gives you

- back on every purchase and so what

kind of rewards this Apple actually give

you with the card well they are

advertising that you get 2% cashback

which is good right on all purchases but

the one caveat and a very big drawback

is the fact that you only get 2%

cashback when you pay with Apple pay

right so this is Apple's way of trying

to force merchants to actually get more

Apple pay options for people to be able

to pay right but the problem is a lot of

places don't support Apple pay yet

especially internationally and so most

of the time you're only going to be able

to actually get one percent cashback

with this card not the two that they're

heavily advertising which is honestly

you know 1% is very low compared to some

other options that are available to you

Apple also is offering 3% cashback on

all Apple products but again how many

you know Apple purchases do we make

year-round really what matters most is

you know 3% cashback on advertising

purchases like some cars that we're

gonna talk about later on actually offer

or 1 to 2% on all purchases right I'm

only spending you know a couple thousand

dollars if that per year on actual Apple

products and so the 3% cashback for

Apple products is not that exciting to

me at all another cool feature of the

Apple card is the fact that they're

actually transparent about the interest

right so if you have an outstanding

balance when you should be paying off

you know the full sum of your car and

Apple will actually estimate the amount

of interest that you would owe on that

outstanding balance if you didn't pay it

off right which is actually pretty cool

because most cards don't want you to

understand how much interest you're

gonna have to pay so you continue to

rack up more and more debt and then owe

more and more interest and probably the

best feature of the Apple card is the

fact that it is free most cards do have

an annual fee right $95 up to you know

500 or even more dollars for some of the

ultimate rewards cards that people are

happy to pay if they have you know a lot

of different expenses where the rewards

that they get make it worth that feed

but the Apple card is free which means

no hidden costs and no annual costs and

while there are other cards that do

offer these same rewards with no annual

fee something that is rare about the

Apple card and one of the coolest

features is the fact that there's no fee

to actually get the card and there's

also no

foreign transaction fees so if you are a

traveler and you're trying to get a card

you know in preparation to go travel the

world something that a lot of people

don't realize is most credit cards

actually have foreign interchange fees

which means every time you use your card

from the USA for example in a foreign

country you will be charged a fee to use

that right in the Apple card has no

foreign fees which is a pretty cool

feature for a zero cost car and then

probably the coolest and definitely most

gimmicky part of the Apple card is the

fact that there's no actual numbers on

the card right so this card is being

toted by Apple as the new advance in

security and privacy which means that

they're actually embedding a unique

number into an element of your iPhone

right so the card comes it's made of

titanium it's very beautiful it's

aesthetically pleasing there's no number

on the card right so a lot of people are

going to go out and get this card just

because they have to have the newest and

best thing from Apple they're probably

gonna get it as a novelty and then

probably rarely ever even use the card

itself

and so I have five you know or more

chase ink business preferred credit

cards right and the reason that I have

all of these credit cards look at how

many credit cards this is right is

because they allow you to have up to

$150,000 in spend per card per year at

3% cashback and so when you have five or

six different cards right six times

150,000 is $900,000 in ad spend and

we're doing even more than that every

single year right and so that's a lot of

points that's more points than most

people could ever use in a lifetime and

so if you have an understanding and you

recognize how to utilize these massively

profitable rewards cards right which

apple unfortunately is not one of then

you can actually start to utilize and

leverage these points to get a ton of

free stuff like vacations and flights

and even more and so I think Apple did

miss a huge opportunity by not having

more rewards right even having a sign up

bonus where you get you know hundreds of

dollars off a brand new iPhone or you

get $500 cash back or any type of

rewards that actually competed with the

top tier rewards companies then they

would have incentivized a lot more

people to actually go and sign up for

this card right and it's not like

Apple's struggling to have money right

they have a hundred billion dollars in

the bank and I'm just kind of

disappointed that they didn't

incentivize people more

with a more impressive rewards program

for people who are just starting out

right if you're a bit younger than I am

right I'm already the ripe old age of 29

if you're a bit younger than I am or

you're just getting started or you're

trying to build up your credit or you're

about to go travel the world soon or

you're just a die-hard Apple fan and you

want a novel titanium sexy-looking card

maybe the card is right for you right

for a free no annual fee card not having

any foreign transaction fees is pretty

cool right the fact that there's no

number and the card itself is metal and

looks awesome

right that is a novelty and that's

pretty cool as well and so for me I'm

not gonna go out and go get this card

just so I can flex and say I have an

apple titanium credit card even though

you know obviously it does look pretty

good but for people who are just

starting out right maybe it does make

sense if you do want a solid free card

to go out and get started building up

your credit and so if you're looking for

a way to actually make money to spend on

your Apple card check out this video

right here where we talk about the top

10 jobs that you can get that pay the

most without a college degree if you

want to know what the highest paying

jobs that you can get without a college

degree in 2019 so let's get right into

this guys number 10 is a computer

technician and with an average salary of

over sixty three thousand dollars a year

#Best Education Page #Online Earning

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