Why I won't be getting the Apple Credit Card...

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  • Published on:  Tuesday, March 26, 2019
  • Lets talk about the new 2019 Apple Credit Card…and why I won’t be getting one. Enjoy. Add me on Instagram: GPStephanThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF (Limited Time Only)Merch: http://www.GrahamStephanStore.com/Summed Up:Titanium Card without numbers on it 1% cash back on all purchases2% cash back when used through Apple Pay3% cash back on apple productsNo fees or foreign transaction feesEnhanced analytics to track spendingWhen it comes to the Apple Credit Card…it’s…in my opinion…a little disappointing, and I’m going to pass on it. Not that I think it won’t do well for Apple and their customer base, but specifically as a credit card…they missed so many amazing opportunities to make this a home-run card that everyone should get.In terms of usefulness and practicality, the credit card is really just OK. And I have a feeling, from Apple’s perspective, that’s what they wanted to go for all along. It’s a credit card that’s created for mass appeal, and that’s it. It’s not built to be the best credit card out there, it isn’t meant to offer crazy competitive rewards to compete with American Express or the Chase Sapphire…it’s JUST meant to appeal to as broad of an audience as possible, who loves Apple, and wants something somewhat unique - which is what they’ll get with a titanium laser etched card without numbers on it. And I wouldn’t be surprised when this soon becomes the new trend among credit cards, to issue blank cards without numbers on them. When it comes to something unique or special - this is really what I think this credit card has going for it. It’s a novelty, but at the same time, it’s kinda cool and gets attention. And it costs nothing, with 1-3% cash back, which is decent. So for that, I’ll give it to apple. Like I said, for MOST people, this card will be perfect for them - Apple isn’t going after the people who really maximize rewards, and try to squeeze the most value from everything they do. Apple seems like they were aiming to make something that’s probably a little better than what the AVERAGE person is currently getting with their random crappy credit cards, and that’s their market - and arguably, THAT market is much bigger to go after than the people like me and most of you watching who just want crazy good benefits and rewards, and just want the best of the best. So in terms of market share, I have no doubt Apple will be successful with these cards, and many people will get it ONLY because it’s apple, only because it’s metal, and only because it’s got a “trend” factor to it. With that said, I DO think Apple missed a huge opportunity to offer SOME type of sign-up bonus with this card to attract an even larger audience.THIS was their golden opportunity to get people into a frenzy over getting this card who wouldn’t have ordinarily applied. If they want a TON of new customers, just offer a few hundred dollars back on your first $2000 spent. If they had done that, I would’ve gone for it - that way I can justify having a hard inquiry on my credit report.So would I recommend this card for anyone watching?Yes. It’s a no fee card, zero transaction fees, 1-3% cash back, and it’s titanium without numbers on it. To me, this card isn’t bad - I have nothing against it, and it’s absolutely BETTER than most of the other generic crap out there. However, there are many BETTER credit cards than this - like the Citi Double Cash Rewards Card - that give you a much more broad 2% cash back, without an annual fee, while also offering extended warranty protection. Or, the Discover Cash Back which offers 5% cash back on revolving categories. So if your goal is maximizing rewards and going for the best credit card possible, the apple card isn’t it. They missed the mark on that one. However, if your goal is just getting a basic, no fee card that you can enjoy and use - and you don’t care about getting the highest value all the time - then it’s good. And this is definitely the biggest demographic out there, who apple plans to market to. They understand the average audience an they’re making a mass market card for most people. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamste...
  • Source: https://youtu.be/OQiZrybePYc


  • Keith Parker

     2 months ago

    We will counter sue. Windows credit card coming soon

  • Absolute Longplay


    I gave you the last like to make it 1K likes

  • Noor the Awesome

     2 days ago

    F u

  • Arvid Olin

     22 days ago

    I'm waiting for the SouljaCard

  • Isai

     4 days ago

    yeah I love the extra fees feature

  • TomaCukor

     4 days ago

    -2% cash back

  • renee p

     2 months ago

    why I wont be getting apple credit cardmy credit score.

  • Angle Group Productions

     12 days ago

    Congyi Qiu “mint”

  • Kinsey Swartz

     1 months ago

    @Congyi Qiu I think he said he used Mint.

  • H Y P E

     2 months ago

    No one:Apple Card Users: *IT SMELLS LIKE BROKE*

  • Frankie-ROBLOX and more

     3 days ago

    That profile picture is fitting.

  • Channel Shut Down Find me on SimplestAnimations

     22 days ago

    @Con More now your a hella broke boi.

  • Rishab Gangopadhyay

     3 months ago

    Don't have the cash for the iPhone XX? Introducing Apple Mortgage. Today everything changes 🍎

  • Perpendicular Driving


    Lol apple is taking over the world. I wish Google and apple would dominate side by side

  • Austin Lilly

     2 months ago

    "Millennials who would love to use that credit card to buy avocado toast on the weekends"I feel targeted.

  • Absolute Longplay


    Marked for extermination you are

  • KJ Centeno

     6 days ago

    Lol nice one

  • WorldPrestige

     2 months ago

    Created by Apple, not a bank but backed by a bank. 😂

  • Absolute Longplay


    Goldman Sachs, nuff said

  • William Flores

     14 days ago

    It's one of the best banks though

  • Carson Suite

     2 months ago

    Credit card collector? How can you resist that titanium if you just “collect” them.

  • Luca Rossi

     10 days ago

    @Andrew Salazar 😘

  • Andrew Salazar

     10 days ago

    @Luca Rossi Tasty content. It's made me rich.

  • George Brooke

     2 months ago

    2% on Apple Pay is a lot more viable in UK and Europe where contactless is basically everywhere especially since there's no fees

  • Tāne Simons

     16 days ago

    In Australia I’m yet to find a store that doesn’t have contactless, so Apple Pay works great here

  • Breadstick

     1 months ago

    Luke Salisbury Canada has Apple Pay and google pay everywhere as well.

  • KiKi Carr

     2 months ago

    Can you teach us about how to pick credit cards like you ?

  • dj aero1

     1 months ago

    Richard L. Well you just need make sure you have a good credit score under your name for when you wanna buy a house or a car