#UnpopularOpinion It’s a damn credit card, people.
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Horace what is the actual innovation in this card?
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I'd rather nice perks than "innovation"
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No I meant like perks from other cards like the Uber card.
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Replying to @Alex__Pitti @NickatFP and
Folks, thanks for asking. I wrote this he day Apple Card was announced. There is quite a bit to the instant rewards delivered to Apple Pay Cash I. The same wallet in real-time. There is no breakage of other programs: https://qr.ae/TW8xCb
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Replying to @BrianRoemmele @Alex__Pitti and
Man that is a lot of words to say that the weak cash-back % is paid daily instead of monthly
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Replying to @NickatFP @Alex__Pitti and
Nick, indeed. But it is more than that. Read about the “found money” insight. This will fundamentally change rewards and how they are used and what they are used on. It is how PayPal/eBay worked with found money in the garage and attics.
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Replying to @BrianRoemmele @Alex__Pitti and
The 'found money' here is that apple won't incur an interchange fee on apple purchases with apple card? I mean, good for apple I guess?
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Nick, yes Apple has no interchange. But card users get 100% of cash earned. Over 90% of cards delete some if not all rewards. That is not possible when you have it as instant Apple Pay Cash. Most of the higher cash back cards use this breakage as a profit center.
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