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Is the Apple Card Worth It? Unbiased Apple Card Pros, Cons and Opinions By Elijah Waeterling Some people believe that credit cards are evil. Others would never consider making a large purchase without one. But the truth is that (most) credit cards over a plethora of benefits when used wisely. But what about the Apple Card? Is the Apple Card any better than competing credit cards already on the market? Is it worth the hype? Continue reading to learn a few important facts and opinions regarding the Apple Card from a self- proclaimed credit card pro. Apple Card's Integration with iOS and Its Overall Experience Is Incredible. The Apple Card lives inside the Wallet app and (unsurprisingly) its integration with iOS is seamless. Everything from applying for the Apple Card, to paying your bill, to checking your Daily Cash and spending habits; it's all done directly within the Wallet app. It's incredibly simple to use and loads instantly on my iPhone 11 Pro. Want to make your Apple Card your default card for App Store purchases? Easy, there's a button for that. Chat with specialists, request replacement cards, lock your card, schedule payments, and more – it's all done in the Wallet app. It's a notably pleasant experience that's much quicker than using apps from Chase, Citi, or U.S. Bank, all of which were pretty good to begin with. Daily Cash Isn't a Misnomer. 3%, 2%, 1%, Every Single Day. Since using the Apple Card, waiting for an entire billing cycle to end just to redeem my rewards from other cards seems archaic. You really will earn usable cash back every single day when you shop with an Apple Card. It's brilliant. Of course, you likely won't earn a ton of cash back each day, that just depends on where you shop and how much you spend – and so you may end up waiting a month to redeem the money anyhow – but the ability to cash out early is a nice perk. Even better yet, there is a growing list of retailers that o•er an impressive 3% cash back bonus when you pay with Apple Pay, such as Nike, Uber, T-Mobile, Walgreens, Mobil, Apple itself, and more. All other Apple Pay purchases will earn 2% cash back, and purchases made using the physical Apple Card will earn 1% cash back. With that being said, if you need to use a physical card, the Citi Double Cash card is a better