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alternative, which nets 2% cash back even if you don't use it through Apple Pay. Sign-up Bonus, Maybe? A sign-up bonus is often a significant draw-factor to open a new credit card. In the past, I've earned as much as $250 for opening a new account. In July, new Apple Card-holders earned $50 in Daily Cash after signing up and using the card to pay for an Apple service like iCloud, Apple Music, Apple TV+, etc. (Thanks, Apple! C) Sadly, that deal has come and gone. However, Apple launches new sign-up bonuses every so often. Let's hope that Apple announces another bonus soon so that more potential cardholders can get in on the action, too. Remember That Apple Pay Isn't Accepted Everywhere. I'll admit that, previously, I would almost always pull out a physical card to pay for goods instead of using Apple Pay. But with the Apple Card, I've been using Apple Pay more than ever. It's just so easy. But keep in mind, Apple Pay is not accepted everywhere. Like my dentist's o®ce. In that case, it was a better idea to use my Citi Double Cash card where I could earn 2% cash back rather than the paltry 1% cash back I'd earn for swiping the physical Apple Card. The same idea goes for restaurants – be sure to pay using a higher-yielding card. Many of them o•er extra points for dining, like Chase's Sapphire Preferred card. No International Fees, No Annual Fees. If you ever plan to leave the U.S., you'll want a credit card that doesn't charge you an extra fee to use it abroad. That means you'll want a card that doesn't charge international fees, specifically; which is actually a very common practice. Cards that don't charge international fees will likely charge an annual fee (usually between $50 and $100 per year). Apple won't charge either of those fees, which is a major bonus for those who like to visit new countries. Apple Card Final Thoughts. This Apple Card review isn't all- encompassing. There are several more benefits that I haven't mentioned yet, including 0% financing on Apple products, built-in money management tools, fantastic privacy and security measures, and much more. Honestly, I didn't expect to enjoy using the Apple Card as much as I do. If you've been following along, you might've guessed that my favorite card is the Citi Double Cash card – but now it's somewhat of a tie. I use my Apple Card anywhere that accepts Apple Pay (urgency being amplified at participating 3% Daily Cash retailers). However, in the particular instances where Apple Pay isn't accepted, like restaurants, the Citi Double Cash card is still my go-to. Bottom line, there's a lot to like about the Apple Card, and it's definitely worth checking out if you're new to credit cards, or even if you have ten of them. Just be aware that the Apple Card might not be the best card for every scenario, but it is the best card for many of them. You can apply for the Apple Card in the Wallet app on your iOS device, or learn more about it on Apple's official Apple Card page.