It was rumored that Apple would make its own credit card. People laughed at the idea and thought it was ridiculous. When the Apple Card came out, I was interested. I didn't need another credit card, but I did like the idea of having a card that could be used on my phone.

There are a lot of credit card choices. The Apple Card is not one of the best credit cards in terms of rewards and benefits, but it is still my favorite and most-used card since I got mine in 2019.

No bank can match the Apple Card’s software

Christian de Looper/Digital Trends

One of the main reasons I wanted the Apple Card was its direct integration with the wallet app on the mobile device. Other credit cards require you to have an account with the associated bank and then download the bank's app on your phone to view all of your transactions and pay your bill online. The user experience and interface for those apps are usually not good.

All of your Apple Card information is located in the wallet app. The process for applying for an Apple Card is very easy. Once you have your Apple Card, tap on it in the Wallet app to view all of your card's details, from the card balance, next payment, and latest transactions, it's all there in an organized and aesthetically pleasing way Merchant names are plain and simple and there are even company logos that make it easy to see at a glance.

apple card

You can not only see your current balance, but also how much of your credit line is still available, weekly/monthly/ yearly activity, how much Daily Cash you have earned, and when your next payment will be. If you are looking for a transaction, there is a search function.

The digital Apple Card can change colors in your wallet to reflect your purchases, and once the balance is paid off, it becomes white again for you to start again. My card is always a mix of orange and yellow with a splash of pink and purple.

The integration of all of this into the wallet app is just icing on the cake. I would love to be able to use this interface with all of my cards in my wallet app.

Apple Card sitting on top of an iPhone 14 Pro with the Wallet app open to digital Apple Card
Christine Romero-Chan / Digital Trends

I don't like the fact that I have different closing dates for my credit cards. I start to remember the dates after a while, but it's still a lot to keep up with.

The Apple Card excelled here. The statement closes at the end of a month and you have until the end of the month to make a payment. Typically, credit cards give you three weeks to pay, but Apple Card gives you a longer grace period.

It doesn't affect me too much since I just have it on autopay before the due date, but it gives me time to prepare when that large payment is taken out of my bank account. The longer payment grace period is beneficial to someone who may need to make sure they have enough money to pay off their balance, because sometimes things don't go according to plan.

It would be easier to remember when my other credit card statements closed and the payment was due.

Daily Cash is so good and so simple

Apple Pay setup at the 7-11.
Jackie Dove/Digital Trends

I decided to use my Apple Card as my primary form of payment when I got my Apple Card. The 2% Daily Cash for every Apple Pay purchase was a no-brainer for me because I prefer to use Apple Pay over physical cards.

The 3% Daily Cash reward for buying directly from Apple has been nice. You still get 3% even if you do Apple Card monthly installments or use your Apple Card to purchase an iPhone through the upgrade program.

The titanium physical Apple Card nets you 1% if you use it or just use your card number for online purchases. The cash-back rewards aren't great compared to other cards out there, but I love that I get that cash immediately rather than waiting until the end of the month

I used to use my Daily Cash rewards to make my payment smaller but now I just use it for fun purchases. There is more of a reason to keep those Daily Cash rewards in my Apple Cash card.

Advanced Fraud Protection gives me peace of mind

The back of an Apple Card with the Goldman Sachs and Mastercard logo
Christine Romero-Chan / Digital Trends

The new security feature for Apple Card users called Advanced Fraud Protection was one of the features that went under the radar. When this feature is enabled, it will change the security code on your Apple Card every time. It appears at least once a few days.

Even if someone gets their hands on your Apple Card information, they won't be able to use it because of advanced fraud protection. You don't have to worry about recurring subscriptions with your Apple card. The CVV is not required after the initial payment, so you don't have to worry about it.

There are no card numbers on the physical Apple Card. The Apple Card is about as safe as it can get.

Lots to love about Apple Card

The Apple Card is not the best credit card. You can find a lot of great credit cards, and some of them have higher rewards.

Apple Card is enough for me. I use Apple Pay whenever I can on my phone, I buy a lot of stuff from Apple Stores, and I like to see where my money is going. I like using Apple Card to pay for things.

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