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