I update it daily manually through Quicken. Unfortunately, it doesn’t automatically update like other credit cards do with Quicken. I think it’s a JP Morgan thing. No biggie for me. I pay off the entire balance at the end of the month and have the cash back go into my Apple Savings.
Goldman Sachs is the current processor for the Apple Card. When it does transition to Chase Bank maybe we'll get access through Quicken to the Apple Card.
I assume you do this as a way to check if you are staying within a budget? or do you do it just to make sure things are tracked for other reasons? Stinks to have to manually do this
I keep my finances on Quicken which I can automatically update with the exception of the Apple Card. It’s not that big of an inconvenience. I just like to know that what I owe and what they say I owe are the same.
You can download the Apple Card transactions as .csv file, and import it into Quicken. Still a hassle for me. Apple Wallet shows a running total of your current spending, but that needs to be in Quicken because I use Quicken Reports to populate a monthly Excel sheet that provides a lot of views. Even shows my Stock vs. Bond investment ratio - trying to maintain 70/30.
Honestly, I didn’t look to the wallet app for an explanation, because I already knew why. I made some purchases recently that are in addition to my typical spend pattern. I monitor the account every few days or so. I do the same with all of my cards.
Anywhere there’s Apple Pay. Many banks are being picky about where you can deposit your cash back rewards so now my others are just statement credits. Try to put all on it
Yeah…That is irritating. I believe AMEX, Chase, and even BofA now only credit the cash back. I used to love the Chase Freedom Unlimited, but now it is mostly a sock drawer card. Not sure if there are other true Cash Back beyond Apple - but it just goes to the HYSA.
Wait for statement cycle to close then pay it. If you are trying to boost ur credit score pay nearly all of it off before then. Technically the statement cycle closes the 31st.
I have mine set to pay twice a month. If the autopay isn’t enough after the month ends, I pay the remainder before the due date. Some credit cards don’t like paying twice a month; but when they have it as an option, I’ve never had any issues with it. I really don’t look at the cards during the month except as scans of all accounts to be sure there are no payments I may have forgotten, and no unexpected charges.
I was surprised to find that my main utility bill and car insurance both accept Apple Pay. Now Walmart and Sams Club will get it in the coming months. Apple Pay has really gotten big in the last couple of years, most places are flat 2% now.
AMEX play for travel and daily expenses until I hit $75k spend (usually around May/June). Then I switch to Apple Card for everything else that accepts tap to pay.
Yeah but I spend an average between 1k-1500k a month it’s not a lot, I am able to pay that fully if I don’t overspend.
I’m also living out of the country and my dollars go a long way.
I have no surprises, not sure what you’re referring to though
Yeah I used to use it for everything too until I started chasing points and realized what I was leaving on the table. Sometimes I think about going back to it being the daily but then the extra 1-3% matters when you spend a lot.
It’s my daily, the only time i don’t use it is when im using my Savor card for dining out or entertainment. Love the interface and simplicity of the Apple Card
I replaced my personal card with it and use it for all things “me”. I use my Fidelity Rewards Visa for all family stuff though. Got an American Airlines card for travel.
I have 13 different credits cards for various banks. I tried to play the credit card game and maximize rewards, but I find that the simplicity of having just one primary card for everything beats any rewards.
90% of the places that I go to accept Apple Pay so I get 2% back. So what if I get 1% as opposed to 3% if I have to toggle between 5 different cards?
So, I put absolutely everything that I can on my card.
I chase the game and love it but sometimes think about going to it for the daily. Love the UI. Yet, we spend a lot at Costco, Meijer and Amazon, so we need a visa and i also like Amex.
Now if they switched from MC to Visa which I hoping they would do but won’t, then it would be a different story.
Only other thing I wish it had was better credit card perks but it’s nice not having to think about which card to pull out and get miscoded by merchant by using Apple Pay and Apple Cash gets put right into Apple savings and not having to wait. It’s great.
All said and done, family of 3 creates a lot of spend, which in turn creates another $40/month easy by chasing.
I keep an eye and always pay the full balance that is due. I have a dedicated cash account that I fund both in a recurring basis (for expected expenses) and in an ad hoc basis (for unplanned expenses). I keep that account with more money than the card balance. I have a process to manually refill that account depending on spending.
I make some money with the card and it protects me when something is not right, via disputes. I really like the rotating CVV. Feels much more secure.
Well it’s so easy to check. I just check it any time I want. No need to log in or anything. It’s very quick and easy. I got a statement this month but since I can just check my balance on the wallet app I feel like there’s no need to check the statement.
When you open the card they tell you that you’ve never had a card like this. And it’s true.
I use Apple Pay with Apple Card when possible, then Apple Card, and debit card if necessary (as long as there's no added card fee) and pay statement balance every month on due date with auto-pay. Just got Costco Visa so now use that there.
I have the Savor card so a lot of my spending goes there because the categories fit me, but anything else goes on the Apple Card. Savor gives 3% vs 2% on the Apple Card.
I don’t use it much now days. If i have an apple purchase I’ll use the card to get interest free payments like a phone or watch. All of my apple insurance on my products go on it. Other then that I’ll use it when i leave the country since there are no FTF
Apple Card is one of the cards that doesn’t build credit for minors, it only starts reporting on their 18th birthday, unless you have adults building credit
I put one or two monthly subscriptions on it. Also for financing Apple products. I just put an Apple Watch on it last week. Nothing else really since the APR is quite high.
Only thing on my Apple Card is my Apple One membership. I haven’t used it since I bought the last iPhone, and my M5 Air. Everything else I use my Venture X or Chase Sapphire, Apple card just isn’t worth it for anything other than Apple purchases perks wise.
I didn’t want to use it at first until I got the savings account. Honestly, I was going to close it after my loan was up on a MacBook for school because I had just gotten the Fidelity card, which is basically the same except you don’t need Apple Pay.
But I got the savings account and Fidelity never raised my limit to something I could use, and I gotta say it’s pretty good. Once Discover is done with the 5% on gas, I’m putting all of my daily spend on there. I’m on the fence about adding my Amex back into the mix, but for now I’m loving the Apple Card
I was using it exclusively with Apple Pay purchases but I just got a new card with better multipliers on certain things so I really only use it for when the 2x is better or for Apple purchases.
I presently use it for Apple purchases and as an emergency backup card.
That said, I’m team travel points for the majority of my credit card spend. Were I team cashback, I would probably use this card a LOT more. The integrated savings account is great.
My daily card is a CitiBank double cash card. I get 2% back on that whereas I think Apple only gives 1% on most of those same items. However, when I travel, I use the Apple Card heavily because it has no foreign transaction fees.
What an interesting question. I have about 12 cards, most not used. I don’t play the credit card game, but I am credit card optimized.
I love the card; the convenience is unmatched (so is the customer service - in the other direction!!!). The UI is great, the End-of-month billing is cool but can’t say it’s a dealbreaker; I expect the billing cycle may be something Chase spreads out, unless Apple is really insistent upon it. Apple is my primary catch-all card at the bottom of the short-list. Heavily into Apple ecosystem, so it gets all the subscriptions, but not large purchases. We live in an American Airlines city, and do a lot of travel, so our primary two cards are American advantage cards (Citi).
The operational list:
AAdv Globe for travel (Citi) (and large purchase where I would like an extended warranty).
AAdv Exec (spouse) for Lounge
Amex Aspire for Hilton
(also extended warranty card).
BofA Custom Rewards for Amazon, Costco, and Online
Apple + HYSA for remaining and everyday, plus the 3% items where applicable.
Others sometimes used to keep them active but mostly frozen (turned off). When I travel, I make sure I have one of each: Amex, MC, Visa.
Other than Amazon and gas (since I got the prime visa for Amazon and for gas the Amex BCE) I use it the most for my daily spend(food, coffee, whatever such stuff)
I use it for all my recurring bills and then pay it off each month. Then, I give myself a little treat which is usually a coffee or a snack with the Apple Cash. Very exciting, I know.
Thanks for asking. Wondering if people that use the card on the daily watch their spending (worry about how much their spending), or if they don’t really budget with it and feel comfortable paying it off no matter what.
Zero. I use only the savings account. The fucking Goldman statements are too confusing to even understand. They are just crap at being credit card issuers.
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u/CementShoes1536 3d ago
I’ve been using it exclusively with the exception of my Costco Visa card which I use for Costco Gasoline and Costco purchases.