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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.

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.

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. 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.

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.

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!




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