Lance Ulanoff for Lifewire:
I can honestly say I was excited to sign up for Apple Card, Apple's first attempt at the credit-based financial sector … Apple Card is the ultimate credit card, at least for Apple customers everywhere …
Apple doesn't expect most Apple Card users to use the titanium card; ordering it is optional (I ordered one). The reason the titanium card exists is for retail situations that still run mainly on physical credit cards: think of your favorite restaurant that likes to fit your credit card in the back of the room and the local gas station where all gasoline pumps need to be replaced to support pressure and pay …  Daily Cash back automatically flows into your Apple Cash prepaid card and can then be used as real cash wherever Apple Pay is accepted, or you can transfer it to a friend via iMessage, or even to your bank account (that's 1% instant transfer fee, but it's a maximum of $ 10).
It is unlikely that I will ever get rich this way. I did some quick math and found that my purchases netted me about $ 1. On the other hand, it might make sense to switch some other repeated bills, like Verizon Bill and maybe my mortgage, to the Apple Card. Now there would be some real Apple Cash.
MacDailyNews Take: Apple cards are the best way to buy Apple products and services with a 3% cash back. We use Apple for all iPhone, Mac, iPad, Apple accessories, Apple monthly subscription, etc. we can!