Nice and easy to use UI for checking your account. Get 2% back with Apple Pay via your phone or laptop (3% from a handful of merchants, occasionally other deals for a while). Get 3% back at Apple always, and 0% financing on some big Apple items for 6/12/24 months. Cash back is delivered daily on cleared transactions, either to Apple Cash (think prepaid debit card in your Apple wallet, but also useful for PayPal-like person to person transfers within the Apple ecosystem) or to an Apple Savings account linked to your card account (same nice UI, currently offering 4.5% interest). The card billing cycle is always aligned with the calendar month, making it easy to remember. The UI shows you graphically, here’s this month’s minimum payment, here’s the amount due currently, here’s your full balance, and makes it trivial to set up a payment for any of these, or another amount in between. Payments can be made immediately or scheduled for later in the month, so you can check your statement early in the month but say “ok, pay the balance due on the 29th”, and keep collecting interest in your bank account for the rest of the month. (I always pay a couple days or so early in case it doesn’t Just Work, but I haven’t had any problems yet, in over 3 years of having the card.) You don’t get a physical card for swiping unless you ask for it, since Apple is trying to drive use of Apple Pay. The physical card only gets you 1% back at most places (3% at Apple). It’s made of titanium, not plastic, for better or worse, and doesn’t have the account number printed on it, so some dishonest salesperson or waiter can’t just copy it down, but reportedly a few merchants have taken it to suggest the card is phony or fraudulent. No special purchase protection, traveler protection/insurance, etc., benefits like some other cards offer. People have complained a lot about the quality of support from Goldman Sachs (the bank actually issuing the Apple-branded card), but experiences vary, of course; some have had good experiences with GS and some have had horrible experiences elsewhere. I haven’t needed to contact them. There are better cash-back cards, better card benefits, and better savings account interest rates available, if you want to shop around for the best deal (or best for your purposes). You can sink a lot of time into it, I imagine. Apple’s is nicely integrated into the wallet UI, easy to set up, easy to use, if you like doing tap-to-pay with your phone. (Generally safer as it needs Face ID etc.) I mostly use it for tap-to-pay buying stuff in person (local shops and restaurants—no risk of not getting a thing delivered from some shady online merchant) or online purchases from established and relatively trustworthy seeming companies who aren’t going anywhere (e.g., my cable bill, Eventbrite ticket purchases). Unless another card has 5% back that month on whatever… I recognize there are better out there for many purposes, but yeah, I’m happy with it. More on reddit.com

I have done it for an ipad and it is a good deal with the 0% financing offer.

Up front you will get billed for taxes and any shipping which will be due on your first payment cycle. Then from there you'll pay 1/24th of the cost every month.

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Making a quick guide for anybody else on the Internet because I couldn't find a post to save my life. I spent an hour going through Apple support... More on old.reddit.com

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