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Apple Card - The Surprising Truth (2023 UPDATE)

In this video we are looking at the Apple Card and Apple Savings Account to talk about why I think this credit card and savings account combination is good, but not great. Now the Apple credit card is very basic since it earns a flat 2% cash back on everything, however the downside to this is that the actual physical Apple Card itself only earns 1% cash back. You also get 3% back on Apple Card purchases of Apple products with the ability to finance those Apple products at 0% interest for 6 to 24 months, but that comes with a catch that could hurt your credit score which I explain in this video as well. Recently, Apple and Goldman Sachs also introduced the Apple Savings Account, and this high yield account pays a very nice 4.15% APY as of filming this video. That’s a really good interest rate on your savings, but again there is a catch here as well because you need to be an owner or co-owner of an active Apple Card account to open this Apple Savings Account. So for me, I like other credit cards instead and do not have the Apple Card, so I am unable to open this high yield savings account. Now one of the main reasons why I don’t have this Apple credit card is because I personally prefer the many other credit cards on the market that earn better cash back or points for travel. I enjoy points for travel more with my credit cards, so for me using the Apple Card would be an opportunity cost because I know that I can get a better return on my spending by using other credit cards. I talk more about a few of these credit cards and what I recommend later on in this video as well. So overall, the Apple Card and Apple Savings Account combination is good but not great. It’s very simple which a lot of people may like, but for me that simplicity is what ruins it. I know that there’s more out there from other credit cards, but Apple knows that most people prefer simple and easy. So if you’re using Apple Pay a lot to get 2% cash back and you also want a solid high yield savings account that pays 4.15% APY, then this Apple credit card and savings account combination might be worth checking out. But otherwise, look elsewhere for more value! MY FAVORITE BANK ACCOUNT: 🏦 SoFi Checking & Savings: Get up to 4.30% APY, pay no account fees and earn $250 when you sign up and set up direct deposit. Terms apply. https://danielbraun.me/SoFi *affiliate link CREDIT CARDS MENTIONED: 💳 Learn More About The Citi Double Cash: https://danielbraun.me/Double-Cash 💳 Learn More About The Chase Freedom Unlimited: https://danielbraun.me/Freedom-Unlimited 💳 Learn More About The Capital One SavorOne: https://danielbraun.me/Savor-One 💳 Learn More About The Amex Blue Cash Everyday: https://danielbraun.me/BlueCashEveryday 💳 Learn More About The Citi Custom Cash: https://danielbraun.me/Custom-Cash OTHER USEFUL LINKS: 💳 My Top Credit Cards: https://danielbraun.me/TopCreditCards 🔥 My Wallet (Code “BRAUN15” for 15% Off): https://danielbraun.me/AndarApollo 🛒 Get a $30 Bonus With Rakuten: https://danielbraun.me/Rakuten 📈 Up To 15 Free Stocks With Moomoo: https://danielbraun.me/moomoo FOLLOW ME on Instagram:   / _danbraun   CHECK OUT SOME OF MY OTHER VIDEOS: You Only Need THESE 5 Credit Cards In 2023:    • You Only Need THESE 5 Credit Cards In...   Paying A Credit Card Bill (I Wish I Knew THIS):    • Paying A Credit Card Bill (I Wish I K...   The 6 BEST Bank Accounts of 2023 (High Yield):    • The 6 BEST Bank Accounts of 2023 (Hig...   8 BEST Credit Cards of 2023:    • The 8 Credit Cards You NEED in 2023   How We Got $27,300 of FREE Travel With Credit Cards:    • How We Got $27,300 of FREE Travel Wit...   Chase Trifecta - The #1 Credit Card Setup For FREE Travel:    • Chase Trifecta - The #1 Credit Card S...   DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice. More Videos From My Channel:    / @daniel_braun