![]() ![]() (ii) If your mobile number is NOT registered with AIB you will be prompted to verify by calling our Customer Support teamĦ. (i) If your mobile number is registered with AIB you will be prompted to verify using a one-time passcode sent by text message Verify your card by following the on-screen instructions Note: Any card(s) previously registered with iTunes will be automatically displayed.ģ. Confirm your details and key in your CVC*Ĥ. Read and if you are happy to do so, Accept the Digital Wallet Terms and Conditionsĥ. ![]() If you have family spread across the country, the pool of choices open to you may be broader than you think.1. For an iPhone 6 or later, open Wallet and tap the 'Plus' icon next to Apple Pay in the upper-right corner or select ‘Add debit or credit card’Ģ. Line up your card within the frame on the screen to capture your card details automatically or enter these details manually ![]() Tip: Credit unions often allow relatives of existing members to join, regardless of location. (Note: The Apple Card does not currently support balance transfers or cash advances.) One of those cards even has an APR as low as 7.24 percent plus 1 percent cash back and no annual, balance transfer, or foreign transaction fees. In San Francisco (where the Macworld office is located), several credit unions offer credit cards with interest rates under 9 percent. If you have more time, it can pay to research credit unions closer to you. residents can join after making a one-time donation of $5 to the Amyotrophic Lateral Sclerosis Foundation. Lake Michigan Credit Union membership is open to certain residents in Michigan and Florida, as well as relatives of existing members. (As with any credit card, the APR is determined by your creditworthiness, so not everyone will get a rate of 8.5 percent.) Prime Platinum Visa, which has an annual percentage rate (APR) as low as 8.5 percent. The easiest option is Lake Michigan Credit Union and its Best Apple Card alternative for low interest ratesĬredit unions require membership to access their services, but some have more permissive eligibility rules. Hard numbers make everything much clearer. Tip: To maximize your rewards, estimate what your spending is in your top five categories, and then plug those into an online rewards calculator or a spreadsheet you’ve created for this purpose. At minimum, they match the Apple Card, like the Wells Fargo Propel’s 3 percent back on rideshares, or offer a sign-up bonus that outstrips what most people would earn on Apple hardware. (Costco members can also consider theĬiti Costco Anywhere Visa.) Like the Apple Card, each of these cards have tiers for cash-back rewards, but they’re far more generous in their percentage back (e.g., the Discover it Cash Back’s 5 percent on rotating categories, and the Uber Visa’s 4 percent on dining). If you spend a lot of money on dining, gas, travel, and rideshares, look into options like the If you like the simplicity of Citibank’s Double Cash card, you can opt instead for theĬapital One QuickSilver (1.5 percent cash back, but no foreign transaction fee and a $150 sign-up bonus) or theĬhase Freedom Unlimited (3 percent cash back on the first $20,000 of purchases in your first year 1.5 percent afterward). That opens up a wide door to further possibilities. Or perhaps you already know you travel enough that a foreign transaction fee will hurt, or that you’re going to spend enough money in a 90-day period to qualify for a sign-up bonus. You may spend more money on certain kinds of goods or services, though-like gasoline or streaming video providers. In-depth overview spells out the differences in fees, interest rates, and cashback percentages. This is especially true for rewards cards, as they have higher APRs.įor more information on this card (and other top Apple Card competitors), our The higher annual percentage rate (APR) for interest is also arguably a downside, but you should never carry a balance on a credit card if you want to stay financially healthy. The card’s main downside compared to the Apple Card is a 3 percent foreign transaction fee when you buy items or services from a foreign merchant. Citibank also supports Apple Pay, provides color-coded and categorized spending reports with customizable time periods, and offers real-time fraud alerts and the option for custom alerts. You earn 2 percent cash back on all purchases with no cap and pay no annual fee. Decent cash back rewards, Apple Pay compatibility, spending reports, and few fees are not Apple exclusives.Ĭiti Double Cash hits the major point most closely. You can’t find a rival card that goes up against the Apple Card in a precise 1 to 1 fashion, but competition with a similar spirit exists. The Citi Double Cash pays 2 percent on all purchases, unlike the Apple Card. ![]()
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