So I got the iPhone, I got the iPad, got the apple watch wonder why they don't just
call it an iWatch? and oh yes i even have the apple pencil! But I'm not getting the
apple credit card. I just don't feel it's worth it and today I'm going to explain why
and give you two alternative credit cards that give you more bang for your buck
stay tuned I have been an apple fan for many years but the apple credit card just isn't worth it to
me but the question I have for you today is what is your favorite apple product comment below and
let me know what it is in the comments down below I would say for me it's a toss-up between the iPad
and the apple watch but honestly i think the apple watch wins the gold here because i just
love the fact that it tracks my fitness my sleep and everything in between and i want to welcome
back all the sweet lifers to the channel and if you're not subscribed wait not subscribe god
smash that subscribe button right now what are you waiting on so a lot of you have asked me
why haven't you gotten the apple credit card why didn't you do a review on the apple credit card
it's because i honestly i don't want to use it but I'm going to give you some positives let's go over
the details of the apple credit card and then I'm going to let you know why i don't like the
apple credit card and give you two alternatives that i think give you a better cash back reward
system than the apple card so if you go here to your apple wallet you'll probably see an ad for
the apple credit card so if you click on that you can apply and what is cool about this is it
does give you the ability to have the credit card live and living in your wallet on your iPhone or
your iPad or something like that and you can apply apple pay to it if you want to and the cool thing
is it gives you daily unlimited cash back of a certain percentage so the nice thing about that is
typically with credit cards you got to wait until you either build up a certain threshold of money
in your cash back rewards or you have to wait by the month to cash those rewards out so this is
nice that you can immediately take that percentage daily and use it in your apple credit card not
only do you get that it does have a very good way to kind of visualize and see your balance
and it does give you a little bit of a visual i'll call it a visual motivation to pay off that credit
card every month which is definitely a good thing I've done actually a review on why it's important
and how to pay off your credit card every month and I'll link that video up above in their note
cards the other thing that it does is it does of course bring you a physical card now this card
is a titanium card and i think that is what gets people so fired up and excited i don't know what
it is about titanium cards but people get so excited about owning that that metal piece of just
ability to show your worth but it's not the American Express titanium card we're talking
about the apple credit card so don't don't get too excited about it but let me get to why i don't
like this so even though you get the unlimited cash back and all this and that the next thing
the percentages i just don't think are worth it let's review this you're going to get
three percent cash back only if you use it on apple.com in an apple store or anything apple
related so that's great if you're if you're always buying apple products theoretically month by month
you're not going to always be buying apple products so the three percent okay that's okay
there are other select merchants such as Nike Uber Walgreens with more coming soon but again
that's up to the decision of of course apple to decide who is going to be that select merchant
it could be somebody that you shop with it could be a business that you don't do any business
with and you don't care about and therefore the three percent really isn't worth it you get two
percent daily cash back when you use apple pay now that's kind of nice but apple pay isn't available
everywhere so there are some businesses that do accept it and that's great and it is growing so
that's nice but if you don't have that ability to use the apple pay guess what your two percent is
now immediately downgraded to only one percent that's ultimately what this credit card is all
about it's unlimited one percent daily cash back when you use the titanium card somewhere that
doesn't have apple pay yet if you do the toss up between one percent and two percent either way
i just you know to me i don't think that's really worth it granted you don't have to pay
an annual fee and anything like that but there are two cards that i will recommend today that
i think are better than the apple card that i personally use that i think you should consider
too if you're looking for your next credit card opportunity i don't think apple credit card is
really the way to go so let's talk about what these are the very first one is the American
express blue everyday cash card now I've done a review on this one before but i really think this
is a great card because it doesn't carry any annual fee but you're gonna get a little bit
more you're gonna get three percent cash back on your first six thousand dollars per year
of purchases at u.s supermarkets you go to the grocery store and you get three percent cash back
now who doesn't shop for groceries i mean almost everybody does and that no matter what
is going to be a qualifier as long as it's the right kind of grocery store
for an immediate three percent cash back and then you're gonna get two percent cash back on
u.s gas stations as well as select u.s department stores so you're getting three percent two percent
and then one percent on everything else i think that kind of gives you a little bit more leverage
you don't have to be sucked into having to do the apple pay if apple pay is not available
you also have the ability to upgrade with the supermarket in the grocery store so if you're a
big family and you're buying groceries every week this is a proper card but let's say you're not
a big grocery person well there's another alternative you can do the city double cash card
now the city card is cool because you're going to get two percent cash back regardless so this one's
probably most like the apple card the city double cash card works that you get one percent cash back
on all of your purchases but then you also get an additional one percent cash back when you pay
off the card the nice thing about that is if you keep on the game of paying off that balance every
single month you're gonna immediately always earn the two percent and i think that is a cool way
to earn some serious cash back especially if you use that card for almost all your purchases again
i would really click that link in the video up above so you can learn how to actually balance
your checkbook with your credit card so you can guarantee yourself paying that off every month
and taking advantage of the two percent so then comparing these really the plastic makes a lot
more sense than the titanium apple cart don't you think now if you're up for a little bit of
an upgrade there is another card that I've been using but this one is a little bit different than
everything I've mentioned in this video because this is the blue preferred card from American
express the big difference here is this does carry a 95 annual fee but here's what you get with it
six percent cash back on all grocery store purchases so you upgrade from three to six percent
not too shabby and you get six percent cash back on streaming services if you're a fan
of Netflix Hulu if you have uh something like sling tv or AT&T tv now or any of the cut the cord
type of streaming deals six percent cash back on that you'll get three percent cash back on all u.s
gas stations every time you purchase from a gas station so unless you drive a tesla that's
a pretty cool deal and then one percent cash back on all other purchases they do
also offer monthly deals that increase your cash back amount again for us I'm a family of four
we use a lot of streaming services so all of that cash back rewards that we're going to get from
our everyday purchases more than makes up the annual fee and gives us a really good benefit
you can check that one out as well but just keep in mind that one does come with the annual fee
so what do you think are you an apple card fan or are you kind of like me and you're thinking
there's better cards out there that can give you more bang for your buck let me know comment below
smash that like button if you enjoyed this video i would certainly appreciate it other than that guys
keep living your sweet life because you're worth it have an awesome day we'll see you next time
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