Apple Credit Card: 5 Reasons to Get it – The Credit Shifu

by YouTube Team

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We look at five reasons to get the Apple Credit card. The Apple Card was recently released in partnership with Goldman Sachs and is a cash back card.
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46 comments

The Credit Shifu September 5, 2019 - 2:18 am

Check out the MaxRewards app: https://maxrewards.app.link/u4SFwfddFZ

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Abraham September 6, 2019 - 4:26 pm

Do you think I will get accepted even though I have no credit history?

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Cheese Man September 6, 2019 - 5:10 pm

Hi I’m from Canada, it is saying it is unavailable to apply.

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Ethan Zhou September 6, 2019 - 5:51 pm

If you get rejected for the card will it hurt your score? Or you can just turn Dow the offer

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Jiajian Hou September 6, 2019 - 6:59 pm

This seems to be the first video about this topic. I went a head and just filled out an application to see my credit limit, a $4000 limit with 17.99% APR. not too bad lol.

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lakorai2 September 6, 2019 - 7:20 pm

The worst credit card to buy

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Jamal1kyle September 6, 2019 - 8:35 pm

Can you apply if you dont have an apple product?

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Michael Taylor September 6, 2019 - 9:52 pm

I wish Chase and Amex would implement the pre hard pull offer.

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Darkened Light September 6, 2019 - 11:09 pm

You keep overlooking the main reason for me: rotating 3% cash back on non-Apple stuff, and nothing beats 3% cash back on Apple alongside a veteran discount now that Discover no longer nets 5%.

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Lexman214 September 7, 2019 - 4:42 am

We have enough Apple devices to charge.
We don’t need an Apple Card to charge too lol I’m out !

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Albert Castro September 7, 2019 - 1:32 pm

No late payment. Don’t know they will still get you another way.

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DreDrizy September 7, 2019 - 2:41 pm

Hey, I’m trying to improve my credit . Have closed credit cards & was wondering what to do to improve score.

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T E September 7, 2019 - 8:54 pm

It's a shame the "max rewards" app is crap for now.

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Garen1 September 8, 2019 - 12:46 am

Is there any truth to credit cards with annual fees boosting your credit score or giving you a higher credit score than a cc w/o and annual fee?

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Bryan J Blumberg September 8, 2019 - 3:47 am

This was a very helpful report. Like you, the AppleCard is not for me, either. But I can see why the AppleCard would be a very appropriate card for others . . . especially people with a credit score between 580 and 690, who cannot qualify for the Citi DoubleCash Card.

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MEALTeamSix September 9, 2019 - 2:58 pm

As an Apple employee, it’s a good card to use at the workplace for me. It gives you 10% daily cash for purchases within Apple’s buildings, like when I buy food at the cafeteria or soda machines.

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Old Gravy September 10, 2019 - 1:20 am

Do you have to buy a dongle to use it? Does it require an Apple made credit card machine?

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SitcaLovTonio September 10, 2019 - 5:37 pm

I don’t know 795 and I didn’t get it

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Z Belle September 11, 2019 - 5:46 am

I have a credit score of 752 and got denied this credit card. I already have two credit cards that get paid off in full each month so that was kind of odd.

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D Harris September 11, 2019 - 12:21 pm

Cash back doesn't really matter to me other but other bonuses are cool

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D Harris September 11, 2019 - 12:21 pm

Like how the card looks and convenient

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Darium 3 September 13, 2019 - 4:05 am

Credit Shifu, how did you learn Mandarin? I just stumbled upon your learn Chinese Channel.

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Ryan Ruan September 14, 2019 - 6:49 pm

Hi shifu. Do you know what should I do if I received pending and review for Apple Card??? No instance approve…. I have like a 812+ credit score on credit karma.. so like 770+ in real I guess. 😂😂😂.. do you know what’s going on… I have 15+ cards as well. Applied cuz too boring, but now such a humiliate

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Jay G September 15, 2019 - 12:08 am

When i applied i had 558 credit score and 98 utilization on all my cards and got approved for $1500 with 23.99% apr

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Adrian Trippin September 16, 2019 - 5:22 am

I have a credit score of 604 and to approved for the apple card for $1000 limit….. I was shocked. I never get anything past $600 like my Macys.

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Tyler B September 16, 2019 - 6:07 pm

They offered me 3600 at their top rate of 23.99 so idk if i should accept. My credit union credit card is like 11% but without rewards. I do wanr a reward card but that interest rate idk.. thoughts?

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X X X September 16, 2019 - 10:05 pm

The card is not GREAT, but it’s fine. It’s really easy to get and it looks nice for flex value. It’s a good card to get credit, but warning ⚠️ they have high APR rates unless you already have good credit.

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1,2 Step September 18, 2019 - 3:19 pm

I have a 645 credit score and got approved for a $3000 limit , I also got approved for the Chase Freedom unlimited a couple of days prior and got $1000 …. I only applied for the Apple Card because I would be prequalified and I didn’t think I would be approved. I guess apple is trying to be really competitive.

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jonathan jupio September 29, 2019 - 3:42 am

thank you for sharing about the grace period.

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DaBrother JOHNSON October 2, 2019 - 12:52 am

Dang, I'm gonna miss the Chase Pay App with Samsung Pay. Chase Pay with Samsung Pay works anywhere. Get 5% back on the Chase Freedom card this 4th quarter 2019 bonus! I'm going to be using my Chase Pay App for all my 4th Quarter purchase.

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Terry The one December 20, 2019 - 7:59 pm

I had a 695 score my wife had a 656 she got a limit of 1000 and I got a limit of 250? Wtf

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EST94 February 13, 2020 - 12:38 am

I had a 680 and got $5000 limit

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Edwin Diaz February 24, 2020 - 6:08 am

I got approved with no credit history

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K. Kelly May 3, 2020 - 2:22 am

Bull fucking shit ( not trying to be mean but….) my credit is good(715) they did not give it to me ☹️

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Josh Burris June 28, 2020 - 7:48 pm

Just an update here, was denied with a 656 credit score. I assume the pandemic has changed things for this card.

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Abdullah Kharfan July 15, 2020 - 5:24 pm

620??? Dude I have 731 and I have no payment at all and I got declined because debt obligations are too high. Although I only have 7% utilization and no payments.

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Albert Castro July 24, 2020 - 5:53 am

If you get this card. Pay it in full !

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Albert Castro July 24, 2020 - 5:56 am

If your income is 120,000. You should have got at least 10,000 Because I got approved for 6,000

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Albert Castro July 24, 2020 - 6:02 am

If there’s no late fees and you owe money the next month they still get you with the interest

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Albert Castro July 24, 2020 - 6:03 am

I just pay my card in full. As soon as it post to my card !

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Albert Castro July 31, 2020 - 4:17 am

$750 can’t get you a phone these days. Prices keep going up !

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timhershel September 1, 2020 - 2:08 pm

How did I get 2% better APR than you? I have like barely any credit history.

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kevinsmusic October 19, 2020 - 5:16 pm

Anyone wondering why he looks like he is in pain this a couple of the video thumbnails?

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Vats April 30, 2021 - 4:12 am

My father has unlimited credit limit in HDFC Bank infinia credit card 🙏👍🏻💸💸💸

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Chris Mahoney June 24, 2021 - 9:15 pm

Very very few no-annual-fee cards have both 2% cashback and no foreign transaction fee.

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Raymond's Realm September 1, 2021 - 8:58 pm

Credit Shifu! Watching your videos for years, great job.

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