Template for Card Recommendation Requests The Bread Cashback Card (American Express) and SoFi Credit Card (MasterCard) manage to offer 2% cash back on all purchases with no foreign transaction fee or annual fee.CreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service The Apple Card Customer Agreement says that the APR is "15.49% to 26.49% when you open your account" and "After that, this APR will vary with the market based on the Prime Rate." If you can name even one 2% cash back card that does this, please do. I'm not aware of any US credit card offering 2% cash back on all purchases that regularly changes this 2% rate or requires quarterly activation for the 2% rate. > usually those rates are extremely subject to change, require quarterly activation The Apple Card's issuer (Goldman Sachs) and payment network (MasterCard) retain just as much transaction information for the Apple Card as they do for any other credit card. I'll look into the CapitalOne SavorOne that somebody else mentioned, but generally I don't look forward to spending hours of my life comparing nearly-identical credit cards, so I was glad to get some real answers this time! I do have a Chase Sapphire Preferred card that also has no transaction fees-but it costs me $95/year, so I'd judge that to be sup-par compared to Apple's free card, except that I use it to book travel, so the cash back goes farther. When I travel to Hong Kong, I love the lack of foreign transaction fees, and still the easy convenience of tap-to-pay with my wristwatch everywhere. Of the three credit card bills I (auto-)pay off every month, Apple card has by far the biggest bill, because I use Apple Pay a lot. My point stands: From the time this card was first announced, people online, especially on this very site, have been dismissing it as having "sub-par" terms, and yet when pushed, all of the alternatives offered up seem to be similar, or even worse. Hahaha, what an odd response! I mean, explaining how your tone was condescending while mine clearly expressed wry amusement would just be me being defensive now, right? So I won't. It's not clear to me how Fidelity is any better than Apple card in this scenario. I got my Apple card before Chase updated my cards from them to be tappable, and basically I use the Apple card for Apple Pay (2%) and purchases/subscriptions from Apple (3%), a Chase Amazon card for purchases from Amazon (5%), and a Chase Sapphire physical card (2% or 5%, depending on category) when a physical card is required (rarely these days, but at Walmart for one). However, the terms then seem identical to my experience with the Apple card. The Fidelity card you mention seems to require a Fidelity account, but that's okay, since I have one. Perhaps the issue is that you don't seen to realize I've never gotten less than 2% from my Apple Card, and I get 3% back from Apple purchases? (Since I just bought an iPad Air + accessories for my daughter's birthday, that alone saved me more than $50!) In fact, for all that it's a trivial question, this is at least the fourth time I've asked it, and the first time I've gotten real answers-although not from you. Search results are plagued with spam to the point of uselessness, and this is precisely the sort of information I would not trust from an LLM because their sources are, as I said, plagued with spam and I don't want to chase hallucinated results. Brave throwaway, you underestimate the knowledge you possess! You should be proud of your knowledge and gladly share it, rather than mock those unwilling to expend the effort you've expended to earn such knowledge.
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