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Apple Card Review (2 Weeks Later) - You Might be Surprised! - YouTube
Channel: Brandon Butch
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what's up guys my name is Brandon and
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I've been using the Apple card for
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nearly two weeks now and I want to share
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my experience with you guys in this
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review we're gonna talk about some of
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the features included with the Apple
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card and whether I think you should
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apply for one or not. So first things
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first, applying for the Apple card itself
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is stupid simple, all you need to do is
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go to the wallet application on your
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iPhone, tap the little plus button, and
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then you want to choose Apple card, you
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fill out your details, and then you will
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instantly get an offer with your credit
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limit and your APR, and if you accept
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that offer, that's it, that's all there is
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to it, you're approved. You have your
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Apple card, you can use it instantly.
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Obviously you won't have the physical
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card yet you do have to request that and
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that takes about five to six business
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days to get the physical card but you
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can use Apple card on your phone
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instantly after accepting your term and
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yes I'm sure you guys have seen the
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apple cart itself but let me tell you
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this thing looks and feels even better
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than I expected in person it has some
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weight to it it says you know Goldman
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Sachs and MasterCard on the back has a
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really clean look no credit card number
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on the front you have your little chip
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the Apple logo and your name and that's
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it and of course it is made of titanium
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so when you drop it on like a surface it
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does make a really awesome noise that I
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don't think any other credit card on the
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market will make and this is what your
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typical wear on the Apple card would
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look like so this is after using it at
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gas stations grocery stores and just
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places like that where you would stick
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it in to use the chip you can see there
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are a little bit of scratches there at
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the bottom on the gray part so as much
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as I would like to keep this thing as
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clean as possible it's just simply not
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gonna happen
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unless you don't use and you just use
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Apple pay on your phone the whole time
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but what's the point in that when you
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can flex with your Apple card now
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obviously there's a lot more to the
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Apple card than just flexing and I will
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tell you guys that I am actually
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enjoying this card a lot more than I
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thought it would I was actually just
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getting this because it's an apple
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product that cover Apple stuff here on
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the channel I was going to do a review
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on it and that was going to be it that
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was kind of my thought process before I
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got my hands on the Apple card but this
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thing is much better than I expected so
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not only does the Apple card look
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awesome but I never have to worry about
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somebody getting my card number I could
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just show this on camera show it
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anywhere I never have to worry about
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anybody stealing my credit card number
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and the expiration date or anything like
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that
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I can also track all of my expenses
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without having to use a third-party
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application or even logging in to any
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kind of application which is really nice
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and you guys will learn that not having
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to log into an application all the time
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to check on your expenses it's going to
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be a huge time saver and you know save
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you a lot of stress and having to worry
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about putting in the right passcode and
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things like that I really love that and
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of course you do also get cash back with
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the Apple car so those are really three
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things and I'm gonna talk about a lot in
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this video so before we talk about the
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fun stuff with the apple cart let's go
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ahead and get the boring but just as
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important stuff out of the way first so
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one of the big selling points with the
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apple cart is that there are no fees now
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of course if you do make a late payment
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which I recommend you guys all pay off
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your cards early but if you do make a
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late payment of course you will pay
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interest but there are no like late fees
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no annual fees anything like that no
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hidden fees there's also no foreign
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transaction fees so if you were to
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travel overseas and use your Apple card
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you won't be paying any type of foreign
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transaction fees which is nice now like
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I mentioned earlier you do get cash back
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with the Apple card and it's actually
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broken down into different percentages
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so you get 3% back on Apple products you
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get 2% back on everything else but
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that's only if you use Apple pay on your
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iPhone and not the physical card but if
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you do use the physical card you will
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earn 1% cash back on all purchases so
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there are definitely benefits to using
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Apple pay versus using the physical car
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instead of physically putting it into
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the machine if you use Apple pay on your
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phone you will get 2% cashback versus 1%
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but of course not all merchants not all
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stores offer that so you will have to
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use the physical card sometimes
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now since MasterCard has partnered with
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Apple on the Apple card you do also get
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the MasterCard benefits and you can see
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here the benefits are actually pretty
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simple nothing really too amazing but
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you get theft protection theft
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resolution services shop runner
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MasterCard travel and lifestyle services
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priceless cities priceless golf and one
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fine stay so if you're looking for a
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card with benefits the Apple card is
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definitely not going to be for you it
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definitely offers a lot less in terms of
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benefits and cashback and pretty much
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everything than any other card out there
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so you're not going to get travel or
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rental car insurance you're not gonna
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get cell phone insurance you're not
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gonna really get any kind of insurance
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or any major benefits with the Apple
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card and like I mentioned earlier the
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cashback is pretty much equivalent or
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lower than your typical credit cards
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cashback system but again the big
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benefit of having the
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the card when it comes to cashback is
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that you can actually use the cash
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instantly you don't have to wait like
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another month to use it you can use it
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instantly and you could use it just like
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with Apple pay just tap on Apple cash
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and use it just like you would any other
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credit card so if you're really big into
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credit cards you like having a lot of
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credit cards to use for different places
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to build up your benefits the Apple card
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is definitely not for you this is not a
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card that you're going to want to get
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just to build up on benefits because
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there's really no major benefits with
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the Apple card but most of you guys
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probably don't have a ton of credit
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cards that you use at different places
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just to build up benefits and insurance
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and things like that so the Apple card
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does shine in multiple other areas and
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those three areas are security
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simplicity and simplified expense
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tracking and unlike traditional credit
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card providers Apple doesn't know what
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you buy or how much you pay for it but
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of course their partner goldman sachs
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does have access to that information but
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that is secure and they're not gonna
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sell it to marketers or advertisers or
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anything like that now the Apple card
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doesn't have any numbers on the credit
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card itself but even if it did and
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someone got your credit card number they
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wouldn't get very far with it because
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apple also has a one time unique dynamic
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security code put in place on the Apple
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card so basically the CVV code that you
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usually find on the back of your credit
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cards actually changes after every
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purchase and that makes it nearly
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impossible for somebody to make
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fraudulent purchases using your Apple
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card so basically in order for somebody
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to steal your Apple cards credit card
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information they would not only need to
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steal your phone but they would also
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need to steal your either fingerprint or
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your face for face ID to be able to get
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into the wallet application and get
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access to all of that so the security
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what the EPPICard is top notch so if you
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go into the wallet application and click
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on the three dots at the top and go down
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to card information you will see it does
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ask for your face ID or your touch ID
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and from there you can see your name
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your card number your expiration your
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security code and your network and if
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you wanted to request a new card number
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all you have to do is simply tap the
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request new card number button right
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there and you will get a new one
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instantly and if we go back you can see
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all of your credit details there as well
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your scheduled payments and things like
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that the wallet application is really
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nicely laid out and of course my
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favorite thing about the wallet
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application is just how simplified and
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makes your expense tracking so expense
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tracking is super simple with the wallet
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application of course that's built in to
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your iPhone it's a
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all apps you don't have to download
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another app you'd have to log into
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anything it's just there and the first
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thing you see inside of the wallet
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application is your Apple card right
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there which actually has a gradient of
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different colors that changes based on
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where you spend your money so it breaks
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it down into categories and those
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categories are color-coordinated and
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they make different colors on the card
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which is actually pretty cool so you can
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see my total balance right there you
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could see my total available my monthly
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activity if we tap on that it actually
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shows you know our monthly spending for
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August 2019 in this instance it shows
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our daily cash it shows our categories
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down there where we've spent money and
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you can also toggle that to show
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merchants instead of just categories it
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can scroll down and see where you've
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actually spent money so if we tap on
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this one right here at total wine and
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click on it again actually shows on a
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map view exactly where you purchase
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whatever you purchased it shows you the
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amount the date the time everything it
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shows you a lot of info here which is
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really nice you also have like for
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instance and this one total wine up top
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it shows your phone call and your
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information sheet right there which is
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pretty cool it shows that for pretty
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much everything if you go to Walgreens
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right here it shows the same and right
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below the total it does also show the
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amount of cashback that you received you
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can also see your latest transactions on
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the front page as well if you scroll
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down a little bit below the monthly
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activity and then like I mentioned
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earlier if you tap on the three dots
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that's where you get a lot of
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information here as well you can also
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message or call Apple go to the website
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you can schedule your payments in here
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you can manage your bank accounts you
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can lock your card you can request a
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replacement card a replacement physical
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card you have all these different
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options here as well you can see the
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benefits all that good stuff inside of
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the wallet application so yeah as you
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can see the apple cart and the wallet
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application make tracking your expenses
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super super simple and convenient and
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again like I mentioned earlier the fact
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that you don't have to constantly log in
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to a third party application is really
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really nice and stuff that that gets
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very underrated and you won't realize
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until you actually start using it and
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it's also nice because now I don't have
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to use my spreadsheet that I usually use
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to track my expenses I don't need that
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anymore because it's all built into the
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wallet application so that also saves me
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a ton of time I also don't have to worry
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about the security in my car and
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everybody can be able to steal my credit
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card information so yeah I absolutely
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love the Apple card I think it's a
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fantastic option if you have an iPhone
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of course there are some downsides like
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I mentioned the benefits are not very
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good at all compared to other credit
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cards out there so if you aren't big
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into benefits and getting a lot of cash
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back and having like travel insurance
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rental car insurance and things like
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that you may not care to use the Apple
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car because it's not really going to
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benefit you too much but if you're like
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me and you don't care too much about all
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that and you just want security
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simplicity and a great way to track
[527]
expenses
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I think the Apple car is perfect for
[530]
that now of course if you have an
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Android you probably don't want to get
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the Apple car because it's not really
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going to be the same without the wallet
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application I mean I guess you can carry
[536]
an iPad around or something like that
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and it could be worth it but I would
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generally say that if you have an
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Android you probably don't care to get
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the Apple car so all in all I absolutely
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love the apple cart after using it for
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two weeks I can only see my experience
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getting better as I've built up more
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cash back and start to use it a lot more
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I think it's yet another Apple product
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that's going to be a winner very similar
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to the airport
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a lot of people made fun of this at
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first it's going to end up being very
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successful just like the air pods and
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like I mentioned earlier just pay off
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your balance every month pay it a little
[562]
bit early don't pay it you know just on
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the due date pay it early get it paid
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off that's really the only downside to
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even apply for the Apple cards if you
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don't think you're going to be able to
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pay it monthly but if you think you
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could pay monthly you know the amount
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that you spend I don't see any downside
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and applying for the Apple credit card
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so yeah let me know what you guys think
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about the apple cart down in the comment
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section below do you have one are you
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gonna get one what do you think about it
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what do you think about the benefits the
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cash back when you think about the
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security tell me what's most important
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to you and what you're enjoying most
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about the Apple card down in the comment
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section below and if you're against the
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Apple card you don't want to get one let
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me know why down in the comment section
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below because I can't really see any
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major reason not to get the Apple card
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if you could pay off your balance every
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month and not have to deal with those
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high APR rates so if you guys enjoyed
[602]
the video I would appreciate it if you
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gave it a thumbs up also make sure to
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subscribe so you don't miss any of my
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future Apple related videos anyways guys
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thanks again for watching the video and
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I'll see you soon
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[Music]
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