Do you have an Apple credit card? It's a major rip-off.

Since mid-2018 we have used nothing but cards that pay 2% cash rebates on all goods and services purchased. That includes Apple Pay purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple products and 1% on everything else.

Since we went on this 2% program our rebates have totaled about $7,150. Our car fuel purchases have totaled about $7,300. So basically, the rebates have covered our gasoline bills. We have paid no fees or interest other than $60 in foreign exchange fees for our recent Canadian adventure. (Data are from Quicken records)

If you ditch Apple's card and go with Citi or Wells Fargo you could almost double your rebates. Of course, if you are a real fanboy flashing the Apple brand card when you buy stuff may be worth it to your inflated sense of self-worth.

On 9/3/2022 2:46 PM, Thomas E. wrote:
> Do you have an Apple credit card? It's a major rip-off.
>
> Since mid-2018 we have used nothing but cards that pay 2% cash rebates on all goods and services purchased. That includes Apple Pay purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple products and 1% on everything else.
>
> Since we went on this 2% program our rebates have totaled about $7,150. Our car fuel purchases have totaled about $7,300. So basically, the rebates have covered our gasoline bills. We have paid no fees or interest other than $60 in foreign exchange fees for our recent Canadian adventure. (Data are from Quicken records)
>
> If you ditch Apple's card and go with Citi or Wells Fargo you could almost double your rebates. Of course, if you are a real fanboy flashing the Apple brand card when you buy stuff may be worth it to your inflated sense of self-worth.

I love my Apple credit card. I get 3% back for every Apple product I
buy within a couple of days. I also get 0% financing for 12 months if I
choose it during the ordering process. Of course I do not use the
Apple card for non Apple products.

On 2022-09-03 14:46, Thomas E. wrote:
> Do you have an Apple credit card? It's a major rip-off.
>
> Since mid-2018 we have used nothing but cards that pay 2% cash
> rebates on all goods and services purchased. That includes Apple Pay
> purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple
> products and 1% on everything else.
>
> Since we went on this 2% program our rebates have totaled about
> $7,150. Our car fuel purchases have totaled about $7,300. So
> basically, the rebates have covered our gasoline bills. We have paid
> no fees or interest other than $60 in foreign exchange fees for our
> recent Canadian adventure. (Data are from Quicken records)
>
> If you ditch Apple's card and go with Citi or Wells Fargo you could
> almost double your rebates. Of course, if you are a real fanboy
> flashing the Apple brand card when you buy stuff may be worth it to
> your inflated sense of self-worth.

So how is it a "rip-off", Liarboy?

On Sunday, September 4, 2022 at 12:40:22 AM UTC-4, Alan wrote:
> On 2022-09-03 14:46, Thomas E. wrote:
> > Do you have an Apple credit card? It's a major rip-off.
> >
> > Since mid-2018 we have used nothing but cards that pay 2% cash
> > rebates on all goods and services purchased. That includes Apple Pay
> > purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple
> > products and 1% on everything else.
> >
> > Since we went on this 2% program our rebates have totaled about
> > $7,150. Our car fuel purchases have totaled about $7,300. So
> > basically, the rebates have covered our gasoline bills. We have paid
> > no fees or interest other than $60 in foreign exchange fees for our
> > recent Canadian adventure. (Data are from Quicken records)
> >
> > If you ditch Apple's card and go with Citi or Wells Fargo you could
> > almost double your rebates. Of course, if you are a real fanboy
> > flashing the Apple brand card when you buy stuff may be worth it to
> > your inflated sense of self-worth.
> So how is it a "rip-off", Liarboy?

If you use it as an everyday card instead of a higher rebate card.

On Saturday, September 3, 2022 at 8:50:20 PM UTC-4, John wrote:
> On 9/3/2022 2:46 PM, Thomas E. wrote:
> > Do you have an Apple credit card? It's a major rip-off.
> >
> > Since mid-2018 we have used nothing but cards that pay 2% cash rebates on all goods and services purchased. That includes Apple Pay purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple products and 1% on everything else.
> >
> > Since we went on this 2% program our rebates have totaled about $7,150. Our car fuel purchases have totaled about $7,300. So basically, the rebates have covered our gasoline bills. We have paid no fees or interest other than $60 in foreign exchange fees for our recent Canadian adventure. (Data are from Quicken records)
> >
> > If you ditch Apple's card and go with Citi or Wells Fargo you could almost double your rebates. Of course, if you are a real fanboy flashing the Apple brand card when you buy stuff may be worth it to your inflated sense of self-worth.
> I love my Apple credit card. I get 3% back for every Apple product I
> buy within a couple of days. I also get 0% financing for 12 months if I
> choose it during the ordering process. Of course I do not use the
> Apple card for non Apple products.

So what credit card benefit do you get for other purchases??? If it's more than 2% I want to hear about it.

On 2022-09-06 14:51, Thomas E. wrote:
> On Sunday, September 4, 2022 at 12:40:22 AM UTC-4, Alan wrote:
>> On 2022-09-03 14:46, Thomas E. wrote:
>>> Do you have an Apple credit card? It's a major rip-off.
>>>
>>> Since mid-2018 we have used nothing but cards that pay 2% cash
>>> rebates on all goods and services purchased. That includes Apple Pay
>>> purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple
>>> products and 1% on everything else.
>>>
>>> Since we went on this 2% program our rebates have totaled about
>>> $7,150. Our car fuel purchases have totaled about $7,300. So
>>> basically, the rebates have covered our gasoline bills. We have paid
>>> no fees or interest other than $60 in foreign exchange fees for our
>>> recent Canadian adventure. (Data are from Quicken records)
>>>
>>> If you ditch Apple's card and go with Citi or Wells Fargo you could
>>> almost double your rebates. Of course, if you are a real fanboy
>>> flashing the Apple brand card when you buy stuff may be worth it to
>>> your inflated sense of self-worth.
>> So how is it a "rip-off", Liarboy?
>
> If you use it as an everyday card instead of a higher rebate card.

Did Apple misrepresent anything, Liarboy?

On Tuesday, September 6, 2022 at 5:57:16 PM UTC-4, Thomas E. wrote:
> On Saturday, September 3, 2022 at 8:50:20 PM UTC-4, John wrote:
> > On 9/3/2022 2:46 PM, Thomas E. wrote:
> > >
> > > Since we went on this 2% program our rebates have totaled about $7,150.

Which only required a mere $357,500 worth of purchases?

> Our car fuel purchases have totaled about $7,300. So basically, the
> rebates have covered our gasoline bills.

Same timeframe for both?

> > I love my Apple credit card. I get 3% back for every Apple product I
> > buy within a couple of days. I also get 0% financing for 12 months if I
> > choose it during the ordering process. Of course I do not use the
> > Apple card for non Apple products.
>
> So what credit card benefit do you get for other purchases??? If it's
> more than 2% I want to hear about it.

Well, there are the seasonal specials that Discover runs, although their
level of benefit is pretty finite:

< https://www.discover.com/credit-cards/cash-back/it-card.html>

-hh

On Tuesday, September 6, 2022 at 6:06:44 PM UTC-4, Alan wrote:
> On 2022-09-06 14:51, Thomas E. wrote:
> > On Sunday, September 4, 2022 at 12:40:22 AM UTC-4, Alan wrote:
> >> On 2022-09-03 14:46, Thomas E. wrote:
> >>> Do you have an Apple credit card? It's a major rip-off.
> >>>
> >>> Since mid-2018 we have used nothing but cards that pay 2% cash
> >>> rebates on all goods and services purchased. That includes Apple Pay
> >>> purchases. Apple pays, 2% on Apple Pay purchases, 3% on Apple
> >>> products and 1% on everything else.
> >>>
> >>> Since we went on this 2% program our rebates have totaled about
> >>> $7,150. Our car fuel purchases have totaled about $7,300. So
> >>> basically, the rebates have covered our gasoline bills. We have paid
> >>> no fees or interest other than $60 in foreign exchange fees for our
> >>> recent Canadian adventure. (Data are from Quicken records)
> >>>
> >>> If you ditch Apple's card and go with Citi or Wells Fargo you could
> >>> almost double your rebates. Of course, if you are a real fanboy
> >>> flashing the Apple brand card when you buy stuff may be worth it to
> >>> your inflated sense of self-worth.
> >> So how is it a "rip-off", Liarboy?
> >
> > If you use it as an everyday card instead of a higher rebate card.
> Did Apple misrepresent anything, Liarboy?

No, they are very honest in not hiding an everyday purchase rebate is half that of other available cash-back cards.

My Visa has no annual fee, resides in my phone's Wallet where I also get 2% back, just like Apple's MC. So, the only advantage is a 1% higher rebate on Apple purchases.

https://www.comparecredit.com/credit-cards/tips/wells-fargo-active-mxxl-v4/?utm_source=yahoo_native&utm_campaign=428645688&ad_group_id=9808641967&utm_content=38197571784&utm_medium=native&product=credit_cards&image=1&vmcid=p%24g%2co%248896f8d2-2ed4-11ed-baf2-008cfa5b34b8-7ff501375700%2ct%241662572587728

It's a rip-off in that Apple could offer the same 2% as other cards on all purchases. Anyone who uses the Apple card on all purchases is losing out on significant rebate funds.

On Tuesday, September 6, 2022 at 6:33:51 PM UTC-4, -hh wrote:
> On Tuesday, September 6, 2022 at 5:57:16 PM UTC-4, Thomas E. wrote:
> > On Saturday, September 3, 2022 at 8:50:20 PM UTC-4, John wrote:
> > > On 9/3/2022 2:46 PM, Thomas E. wrote:
> > > >
> > > > Since we went on this 2% program our rebates have totaled about $7,150.
> Which only required a mere $357,500 worth of purchases?
> > Our car fuel purchases have totaled about $7,300. So basically, the
> > rebates have covered our gasoline bills.
> Same timeframe for both?
> > > I love my Apple credit card. I get 3% back for every Apple product I
> > > buy within a couple of days. I also get 0% financing for 12 months if I
> > > choose it during the ordering process. Of course I do not use the
> > > Apple card for non Apple products.
> >
> > So what credit card benefit do you get for other purchases??? If it's
> > more than 2% I want to hear about it.
> Well, there are the seasonal specials that Discover runs, although their
> level of benefit is pretty finite:
>
> < https://www.discover.com/credit-cards/cash-back/it-card.html>
>
> -hh

Really? I get 5% back on all Target purchases through their Red Card program. For me an extra 3% on a few items is not worth the hassle of managing another card. That's just me though. If you have this Discover card you might also want the one I have had for years:

https://www.comparecredit.com/credit-cards/tips/wells-fargo-active-mxxl-v4/?utm_source=yahoo_native&utm_campaign=428645688&ad_group_id=9808641967&utm_content=38197571784&utm_medium=native&product=credit_cards&image=1&vmcid=p%24g%2co%248896f8d2-2ed4-11ed-baf2-008cfa5b34b8-7ff501375700%2ct%241662572587728

On 2022-09-07 10:55, Thomas E. wrote:
> On Tuesday, September 6, 2022 at 6:06:44 PM UTC-4, Alan wrote:
>> On 2022-09-06 14:51, Thomas E. wrote:
>>> On Sunday, September 4, 2022 at 12:40:22 AM UTC-4, Alan wrote:
>>>> On 2022-09-03 14:46, Thomas E. wrote:
>>>>> Do you have an Apple credit card? It's a major rip-off.
>>>>>
>>>>> Since mid-2018 we have used nothing but cards that pay 2%
>>>>> cash rebates on all goods and services purchased. That
>>>>> includes Apple Pay purchases. Apple pays, 2% on Apple Pay
>>>>> purchases, 3% on Apple products and 1% on everything else.
>>>>>
>>>>> Since we went on this 2% program our rebates have totaled
>>>>> about $7,150. Our car fuel purchases have totaled about
>>>>> $7,300. So basically, the rebates have covered our gasoline
>>>>> bills. We have paid no fees or interest other than $60 in
>>>>> foreign exchange fees for our recent Canadian adventure.
>>>>> (Data are from Quicken records)
>>>>>
>>>>> If you ditch Apple's card and go with Citi or Wells Fargo you
>>>>> could almost double your rebates. Of course, if you are a
>>>>> real fanboy flashing the Apple brand card when you buy stuff
>>>>> may be worth it to your inflated sense of self-worth.
>>>> So how is it a "rip-off", Liarboy?
>>>
>>> If you use it as an everyday card instead of a higher rebate
>>> card.
>> Did Apple misrepresent anything, Liarboy?
>
> No, they are very honest in not hiding an everyday purchase rebate is
> half that of other available cash-back cards.

So then an honest person would admit that this is in no way, shape, or
form a "ripoff".

>
> My Visa has no annual fee, resides in my phone's Wallet where I also
> get 2% back, just like Apple's MC. So, the only advantage is a 1%
> higher rebate on Apple purchases.
>
> https://www.comparecredit.com/credit-cards/tips/wells-fargo-active-mxxl-v4/?utm_source=yahoo_native&utm_campaign=428645688&ad_group_id=9808641967&utm_content=38197571784&utm_medium=native&product=credit_cards&image=1&vmcid=p%24g%2co%248896f8d2-2ed4-11ed-baf2-008cfa5b34b8-7ff501375700%2ct%241662572587728
>
> It's a rip-off in that Apple could offer the same 2% as other cards
> on all purchases. Anyone who uses the Apple card on all purchases is
> losing out on significant rebate funds.

It's NOT a rip-off, Liarboy. It's a choice YOU made.

On Wednesday, September 7, 2022 at 2:20:52 PM UTC-4, Alan wrote:
> On 2022-09-07 10:55, Thomas E. wrote:
> > On Tuesday, September 6, 2022 at 6:06:44 PM UTC-4, Alan wrote:
> >> On 2022-09-06 14:51, Thomas E. wrote:
> >>> On Sunday, September 4, 2022 at 12:40:22 AM UTC-4, Alan wrote:
> >>>> On 2022-09-03 14:46, Thomas E. wrote:
> >>>>> Do you have an Apple credit card? It's a major rip-off.
> >>>>>
> >>>>> Since mid-2018 we have used nothing but cards that pay 2%
> >>>>> cash rebates on all goods and services purchased. That
> >>>>> includes Apple Pay purchases. Apple pays, 2% on Apple Pay
> >>>>> purchases, 3% on Apple products and 1% on everything else.
> >>>>>
> >>>>> Since we went on this 2% program our rebates have totaled
> >>>>> about $7,150. Our car fuel purchases have totaled about
> >>>>> $7,300. So basically, the rebates have covered our gasoline
> >>>>> bills. We have paid no fees or interest other than $60 in
> >>>>> foreign exchange fees for our recent Canadian adventure.
> >>>>> (Data are from Quicken records)
> >>>>>
> >>>>> If you ditch Apple's card and go with Citi or Wells Fargo you
> >>>>> could almost double your rebates. Of course, if you are a
> >>>>> real fanboy flashing the Apple brand card when you buy stuff
> >>>>> may be worth it to your inflated sense of self-worth.
> >>>> So how is it a "rip-off", Liarboy?
> >>>
> >>> If you use it as an everyday card instead of a higher rebate
> >>> card.
> >> Did Apple misrepresent anything, Liarboy?
> >
> > No, they are very honest in not hiding an everyday purchase rebate is
> > half that of other available cash-back cards.
> So then an honest person would admit that this is in no way, shape, or
> form a "ripoff".
> >
> > My Visa has no annual fee, resides in my phone's Wallet where I also
> > get 2% back, just like Apple's MC. So, the only advantage is a 1%
> > higher rebate on Apple purchases.
> >
> > https://www.comparecredit.com/credit-cards/tips/wells-fargo-active-mxxl-v4/?utm_source=yahoo_native&utm_campaign=428645688&ad_group_id=9808641967&utm_content=38197571784&utm_medium=native&product=credit_cards&image=1&vmcid=p%24g%2co%248896f8d2-2ed4-11ed-baf2-008cfa5b34b8-7ff501375700%2ct%241662572587728
> >
> > It's a rip-off in that Apple could offer the same 2% as other cards
> > on all purchases. Anyone who uses the Apple card on all purchases is
> > losing out on significant rebate funds.
> It's NOT a rip-off, Liarboy. It's a choice YOU made.

Your version of reality resides somewhere off the planet.

On 2022-09-07 11:24, Thomas E. wrote:
> On Wednesday, September 7, 2022 at 2:20:52 PM UTC-4, Alan wrote:
>> On 2022-09-07 10:55, Thomas E. wrote:
>>> On Tuesday, September 6, 2022 at 6:06:44 PM UTC-4, Alan wrote:
>>>> On 2022-09-06 14:51, Thomas E. wrote:
>>>>> On Sunday, September 4, 2022 at 12:40:22 AM UTC-4, Alan wrote:
>>>>>> On 2022-09-03 14:46, Thomas E. wrote:
>>>>>>> Do you have an Apple credit card? It's a major rip-off.
>>>>>>>
>>>>>>> Since mid-2018 we have used nothing but cards that pay 2%
>>>>>>> cash rebates on all goods and services purchased. That
>>>>>>> includes Apple Pay purchases. Apple pays, 2% on Apple Pay
>>>>>>> purchases, 3% on Apple products and 1% on everything else.
>>>>>>>
>>>>>>> Since we went on this 2% program our rebates have totaled
>>>>>>> about $7,150. Our car fuel purchases have totaled about
>>>>>>> $7,300. So basically, the rebates have covered our gasoline
>>>>>>> bills. We have paid no fees or interest other than $60 in
>>>>>>> foreign exchange fees for our recent Canadian adventure.
>>>>>>> (Data are from Quicken records)
>>>>>>>
>>>>>>> If you ditch Apple's card and go with Citi or Wells Fargo you
>>>>>>> could almost double your rebates. Of course, if you are a
>>>>>>> real fanboy flashing the Apple brand card when you buy stuff
>>>>>>> may be worth it to your inflated sense of self-worth.
>>>>>> So how is it a "rip-off", Liarboy?
>>>>>
>>>>> If you use it as an everyday card instead of a higher rebate
>>>>> card.
>>>> Did Apple misrepresent anything, Liarboy?
>>>
>>> No, they are very honest in not hiding an everyday purchase rebate is
>>> half that of other available cash-back cards.
>> So then an honest person would admit that this is in no way, shape, or
>> form a "ripoff".
>>>
>>> My Visa has no annual fee, resides in my phone's Wallet where I also
>>> get 2% back, just like Apple's MC. So, the only advantage is a 1%
>>> higher rebate on Apple purchases.
>>>
>>> https://www.comparecredit.com/credit-cards/tips/wells-fargo-active-mxxl-v4/?utm_source=yahoo_native&utm_campaign=428645688&ad_group_id=9808641967&utm_content=38197571784&utm_medium=native&product=credit_cards&image=1&vmcid=p%24g%2co%248896f8d2-2ed4-11ed-baf2-008cfa5b34b8-7ff501375700%2ct%241662572587728
>>>
>>> It's a rip-off in that Apple could offer the same 2% as other cards
>>> on all purchases. Anyone who uses the Apple card on all purchases is
>>> losing out on significant rebate funds.
>> It's NOT a rip-off, Liarboy. It's a choice YOU made.
>
> Your version of reality resides somewhere off the planet.

Nope.

To be a "rip-off", something must have been misrepresented:

'rip-off | ˈripˌôf |
noun informal
a fraud or swindle,'

On Wednesday, September 7, 2022 at 1:58:38 PM UTC-4, Thomas E. wrote:
> On Tuesday, September 6, 2022 at 6:33:51 PM UTC-4, -hh wrote:
> > On Tuesday, September 6, 2022 at 5:57:16 PM UTC-4, Thomas E. wrote:
> > > On Saturday, September 3, 2022 at 8:50:20 PM UTC-4, John wrote:
> > > > On 9/3/2022 2:46 PM, Thomas E. wrote:
> > > > >
> > > > > Since we went on this 2% program our rebates have totaled about $7,150.
> >
> > Which only required a mere $357,500 worth of purchases?
> >
> > > Our car fuel purchases have totaled about $7,300. So basically, the
> > > rebates have covered our gasoline bills.
> >
> > Same timeframe for both?
> >
> > > > I love my Apple credit card. I get 3% back for every Apple product I
> > > > buy within a couple of days. I also get 0% financing for 12 months if I
> > > > choose it during the ordering process. Of course I do not use the
> > > > Apple card for non Apple products.
> > >
> > > So what credit card benefit do you get for other purchases??? If it's
> > > more than 2% I want to hear about it.
> >
> > Well, there are the seasonal specials that Discover runs, although their
> > level of benefit is pretty finite:
> >
> > < https://www.discover.com/credit-cards/cash-back/it-card.html>
>
> Really? I get 5% back on all Target purchases through their Red Card program.
> For me an extra 3% on a few items is not worth the hassle of managing another card.
>That's just me though.

Precisely why I don't bother with any 'Store' Cards anymore. Same for gasoline chain
credit cards too: the simplification from getting rid of them exceeds what they're offering.

> If you have this Discover card you might also want the one
> I have had for years:
>
> [wells-fargo]

Pass. We won't give any more business to Wells Fargo, because of their
account fraud scandal which they got off with a light wrist slap.

-hh

On Wednesday, September 7, 2022 at 5:26:36 PM UTC-4, -hh wrote:
> On Wednesday, September 7, 2022 at 1:58:38 PM UTC-4, Thomas E. wrote:
> > On Tuesday, September 6, 2022 at 6:33:51 PM UTC-4, -hh wrote:
> > > On Tuesday, September 6, 2022 at 5:57:16 PM UTC-4, Thomas E. wrote:
> > > > On Saturday, September 3, 2022 at 8:50:20 PM UTC-4, John wrote:
> > > > > On 9/3/2022 2:46 PM, Thomas E. wrote:
> > > > > >
> > > > > > Since we went on this 2% program our rebates have totaled about $7,150.
> > >
> > > Which only required a mere $357,500 worth of purchases?
> > >
> > > > Our car fuel purchases have totaled about $7,300. So basically, the
> > > > rebates have covered our gasoline bills.
> > >
> > > Same timeframe for both?
> > >
> > > > > I love my Apple credit card. I get 3% back for every Apple product I
> > > > > buy within a couple of days. I also get 0% financing for 12 months if I
> > > > > choose it during the ordering process. Of course I do not use the
> > > > > Apple card for non Apple products.
> > > >
> > > > So what credit card benefit do you get for other purchases??? If it's
> > > > more than 2% I want to hear about it.
> > >
> > > Well, there are the seasonal specials that Discover runs, although their
> > > level of benefit is pretty finite:
> > >
> > > < https://www.discover.com/credit-cards/cash-back/it-card.html>
> >
> > Really? I get 5% back on all Target purchases through their Red Card program.
> > For me an extra 3% on a few items is not worth the hassle of managing another card.
> >That's just me though.
> Precisely why I don't bother with any 'Store' Cards anymore. Same for gasoline chain
> credit cards too: the simplification from getting rid of them exceeds what they're offering.
> > If you have this Discover card you might also want the one
> > I have had for years:
> >
> > [wells-fargo]
>
> Pass. We won't give any more business to Wells Fargo, because of their
> account fraud scandal which they got off with a light wrist slap.
>
> -hh

OK, that's fine. Citi also offers a 2% cash back on everything Mastercard. I had one for years. I switched to Wells Fargo when I discovered their 2% cash back Visa I can use at Costco. Otherwise, I needed to use a Visa there that offered "only" 1.5% cash back. That plus the Target 5% debit card and my bank's debit card for free ATM withdrawals are all I carry. Because the Target and bank cards are debit cards they are tracked within my checking account, not separate credit card accounts. So, all of my daily routine cash transactions are tracked through only 2 accounts. Simple and clean.

Same as your logic. How many cards and accounts do you want to keep track of?