this post was submitted on 28 Nov 2023
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Other than paying off my large Mac purchases over time, I've found very little use for this card in the wild.
Bank of America select cash back does 3% on all online purchases, including apple.
Chase freedom does 1.5% on everything. (which is a negligible difference from the 2% Apple Pay perk)
The combination really puts apple only perk as 0% APR.
I'm sure someone will vehemently tell me how wrong I am but, this is basically an in store credit card good for deferring payments only.
I got it for Uber 3% cash back. Then the pandemic happened and I stopped taking rides. Then I got the Chase Reserve which has 3% cashback on all travel (including Uber) and 10% for Lyft. So now I just use it for app purchases. For buying Apple products themselves I buy Apple gift cards from Target at a 5% discount. So that's 5% cash back which beats what you are doing.