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TheJohnWickening
TheJohnWickening

Got a (targeted?) email for my Apple Card
Subject: Add a Co-Owner and they get $100 Daily Cash when they spend $100 for a limited time

Apple Card Family lets you share the great features and benefits of Apple Card with anyone you call family. When you add a Co-Owner to your account by February 6, 2023, they’ll receive $100 Daily Cash from us when they spend $100 in their first 30 days.
A Co-Owner can be a spouse, partner, or someone else you trust. The two of you share equal benefits and responsibilities for the account. Adding a Co-Owner allows you to build credit as equals4 and gain access to a combined credit limit.5 You both can view and manage the account making it easy to track your family spend in one place. Chuck

AJ
AJ

I was able to get an approval finally (I used the link from this website but didn’t work when I was trying to apply via my laptop browser. Had to process the app by opening the link via Safari on my iphone–to make sure I’m getting the bonus. It will reroute you to Apple wallet and apply from there) and got the $75 bonus which was posted in just a couple of days after first transaction.

I’m wondering if the Apple Card is churnable like Target Redcard. Didn’t see anything in their terms and condition (I think…).

Is this once in a lifetime thing like Fidelity Bloom?

Thanks!

Alex_the_Churner

dead? Chuck

B^2

I see on apple.com:
“Save 5% on Apple products with a new Apple Card through December 25. Only at Apple.”
Could make this card more valuable if someone was contemplating a major purchase (like new ipad or whatever) anyway. I can not find any info that it stacks (or doesn’t) with $75 referral SUB.

P
P

The application for this card touts “See if you qualify with no impact to your credit score,” but it doesn’t work. It then asks you for your full social security number. Then I get an alert that someone attempted to do a credit pull, so there’s an impact to your credit score even if you only want to see if you qualify.

Jun
Jun

I dont see the offer on my mom’s iphone. deal is dead?

SailorSpoon
SailorSpoon

Is there any reason at all that this is worth the hard pull?

Rick
Rick

No.

fdic
fdic

Does anyone know any other good cards that give straight 2% back on everything? I cant keep track of categories so I will rather have something that gives a straight %age. I know Citi Double cash is one of them, right?
I cant apply for Citi right now because of too many inquiries on my experian.

Rick
Rick

PayPal Mastercard is a 2% card and uses TransUnion.

fdic
fdic

Rick thakn you. Wondering if it ever comes up with a sign up bonus? I guess no

Rick
Rick

If there’s not a SUB now, just wait and it will come back. Usually $100-$150 for $500 spend.

fdic
fdic

Thanks Rick Checked and doesnt seem to have any bonus now, will wait.

ieatdogfood
ieatdogfood

There are lots. SoFi, Wells Fargo, Fidelity, TD bank, FNBO, Bread, and many more. Pick your poison.

fdic
fdic

ieatdogfood thank you. I just got the Wells Fargo Signature, so cant do the Active.
Since both Fidelity and PP use Transunion, will try those

Ross
Ross

Wells Fargo active cash

fdic
fdic

Thank you Ross and Steven

Steven
Steven

Fidelity and Penfed also have 2% cashback credit cards. Penfed has $100 sign up bonus.

Albert
Albert

can I have two apple card plz?

meathead
meathead

I don’t get it. I mean the cash back is decent, although good luck finding a working apple pay POS. I think Fidelity still has the 2% cash back on all purchases no annual fee. I don’t take a credit inquiry unless the sign up is at least worth $500+. Too many other options out there and you have to make every hard inquiry count.

Celia
Celia

I don’t get that “good luck finding a working apple pay POS” Is it not prevalent in your area? Seems to be in every place I go, Walmart and Kroger exceptions.

meathead
meathead

Yeah, a lot of the card readers where I shop seem to have issues working with Apple pay. I just don’t like the unreliability part about it.

Ross
Ross

Kroger in LA started to accept Apple Pay since last month

Yao Ko

Hard inquiry’s effects fade off pretty quickly from the credit score. Is this really a major concern if you end up getting approved for the card you’re applying for?

John
John

There are other more important concerns like new accounts during timeframe that many issuers enforce. Creating a new account for a small signup bonus like this is not optimal for most.

meathead
meathead

As far as credit score, yes, but the fact that hard inquires stay on 24 months is the issue I have. Especially when it comes to the Chase 5/14 rule. For example, the day after my hard inquiries went from 5 to 4 I applied for the Chase Ink Biz, which is nearly $1k in cash back or $2k-$4k in hotel stays. So my inquires went right back to 5.

Yao Ko

Chase 5/24 is referring to the number of cards, not number of hard inquiries.

Al
Al

Hi meathead is this 5/14 rule only applies to chase? I ask because I went to Usbank altitude connect and was debited for too many inquiries

fdic
fdic

meathead Do you know any other good cards that give straight 2% back on everything? I cant keep track of categories so I will rather have something that gives a straight %age. I know Citi Double cash is one of them, right?
I cant apply for Citi right now because of too many inquiries on my Experian.

Christian H

SoFi credit card is straight 2% without fees.

fdic
fdic

Christian H Thank you. I just researched that a bit and am afraid they also pull Experian. I guess I just might just have to wait a few months before getting simple 2% back card.
Actually Citi Premier and Sofi Personal loan were the 2 that rejected me last month for too many inquiries on Experian (6 since Sept, 2 because of my stupidity).
Am I the only one who thinks this thing is like a trap, Citi said rejected because of too many inquires and then piled on its own inquiry 🙂

Eternal Blue
Eternal Blue

The Paypal Mastercard pulls TU and has uncapped 3% on Paypal, balanced by no SUB. You can also check out the the Fidelity Rewards which pulls TU and has a SUB or the PenFed Power Rewards which pulls EQ and has a SUB. Wells Fargo, FNBO, SoFi and Citi 2% cards all pull EX.

fdic
fdic

Thank you Eternal Blue
You literally summarized everything that I got so far and more : )
WF here pulled EQ for some reason, but I already got the Autograph last month so have to wait for the 2% Active. For now, Fidelity seems to the the one to try for.

Edit: Looked for the penfed card, and this is what I see. It says 2% but you need to be military and also have checking account

https://www.doctorofcredit.com/penfed-entering-2-cash-back-card-game-penfed-power-cash-rewards-visa/

Al
Al

Just checked fidelity no SUB on main page

Al
Al

To be eligible to participate in the PenFed Honors Advantage 2% cash back program, you must qualify through either one of the following:

completing a transaction on the cellphone
CHECKING ACCOUNT

Have and maintain a PenFed checking Account. You can open a new account or use an existing account. Restrictions apply.*

In order to maintain the 2% cash back, you need to keep your checking account open.

Spirit
Spirit

You guys do realize that you can just freeze report and get a free sp card.. right? Search up “apple card soft pull”, you’re welcome <3

fdic
fdic

Thank you, will check. I am looking for a straight 2% cashback card which doesn’t require an Experian inquiry please

meathead
meathead

I picked up a Fidelity 2% cash back on all purchases a while back, but not sure if it’s still around. No annual fee. There is the infamous AMEX Blue cash original card that give 6% on groceries with I think a max of $50k in spend. That was the goto card for manufactured spend. Not sure if that’s still available. They don’t really advertise it. I know what you mean about categories. It’s too troublesome to bother with. If you set up a good process to keep track of sign up bonuses, you’ll spend way less time fiddling with categories.

fdic
fdic

I have the original Amex blue card, it gives 3% gas / supermarkets / online purchases.
I think it is the Amex preferred blue (with AF) that gives 6% on suprmarkets/groceries.

Anyways, I will check out the Fidelity card, thank you