I've owned the Apple Card for 3 months. It's dismal compared to other credit cards
Briefly

The article discusses Apple's Apple Card, introduced in collaboration with Goldman Sachs, and highlights significant customer dissatisfaction. A Reddit user expressed frustration regarding the lack of appealing benefits, noting that the physical card offers only 1% cash back for most purchases unless users opt for Apple Pay, which offers slightly better rewards. This criticism underscores a broader theme of Apple's struggle to genuinely 'think different' internally, particularly in responding to customer needs and market competition over the past five years.
The Apple Card offers minimal cash back benefits compared to more competitive credit cards, primarily rewarding those who use Apple Pay, which can be limiting.
Despite a heavily promoted benefits structure, customer feedback indicates dissatisfaction with the Apple Card's cashback offerings compared to other cards that provide much higher rates.
Critics of the Apple Card, like an outspoken Reddit user, highlight that the physical card's rewards are lackluster at best, often only awarding 1% cash back.
Apple's insistence on promoting the Apple Card's strengths appears to conflict with customer experiences, raising questions about the company's response to feedback and commitment to innovation.
Read at 24/7 Wall St.
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