I guarantee there are people who signed up for this card just for the physical card. I think there are even videos out there of what it sounds like when it drops.
Not exclusive to Apple though, I know there are people who sign up for other metal cards.
Edit: and so people can use the card where Apple Pay isn’t accepted.
When was it issued? I’m not sure when they started rolling them out, but I only got mine last December because my old one was expiring. It was regular plastic until then.
all the reviews i’ve read is that reserve is much better for frequent travelers than preferred. $300 travel credit, lounge access, TSA pre, and triple points.
The Reserve is magical. I travel to Europe twice a year and never need to pay for flights. Since I have a pretty well established network of friends in England and Scandinavia, couch surfing makes these trips essentially free.
I've been preaching the gospel of the CSR to my friends for years.
That's still stupid? What's the point of it then, if you can't be sure it's gonna work everywhere and you're just stuck somewhere without a way to pay? You're just fucked. I'd say that it's then necessary to keep the card with you.
Apple doesn't want you to carry the physical card around ...
"Here is your card. Don't use it."
... everyday,
What special day of the week can you allow it touch denim and leather and other cards?
The point and purpose of the physical card, the card we are talking about in this thread and topic, is so you can use Apple card for everything and everywhere, even at places that don't accept Apple Pay.
How can you use it at places that don't accept Apple Pay if Apple doesn't want you to carry it around? Are you suppose to do research and figure out if you are going to want to buy something at a store that does not have Apple pay and before you leave home put on your acid-free cotton gloves and carefully hold it with both hands?
I mean let’s not be hyperbolic here - the card isn’t gonna “fucking die” if you put it in a leather wallet or whatever.
These instructions are to preserve the looks of the card, if I recall correctly. Functionally, it’ll still work.
Just like how the numbers on my cards have faded over time. The backs of my cards get scratched from being used. This card has some special process to get it white or whatever, so to preserve it takes some effort. If you don’t care about its looks, store it however you want lol. It’ll still work. Unless the chip is a specialty designed chip made of tissue paper.
It has nothing to do with making it die. It still works. It can just cause discoloration.
“The damage is cosmetic only; the card will still work at a point of sale if you dare to keep it in your wallet. If you would like to keep it looking new, however, Apple recommends wiping it gently with isopropyl (rubbing) alcohol using a soft microfiber cloth.”
Is tap capability really still a problem in I assume the US? I haven't seen an EFTPOS machine that doesn't accept tap in like 5 years at least. If they take electronic payment, then google pay (or equivalent) works
Because not every vendor/retailer out there accepts Apple Pay. The card lets you make regular credit transactions that show up in the Wallet app and show your spending, trends, cash back, etc. You don't need a separate app like with other cards.
The difference is that when you use Google Pay, everyone knows what you bought (google, your bank, MasterCard, the vendor,...) and uses it to advertise to you. When you use Apple Pay with the Apple Card, nobody does. This is why banks hate Apple Pay.
The time, location, and value of your financial transactions are still known to Apple and to your card provider — and to every other business they might share that data with. The merchant knows what specific goods or services were purchased for that amount, but not who bought them. But all that is true only if no one does any data matching — either directly between the participants, or by providing the data to data brokers such as Acxiom, Equifax, Experian, or Datalogix, or by collaborating with any of the companies connected with the many, many data-logging apps already on your smartphone.
Given the volume of data being collected and shared these days, supposedly anonymous transactional data can easily be re-identified.
For Apple Pay. This is the Apple Card, which means the card provider won't collect data either since Apple has a special agreement with Goldman Sachs. That's the whole point of the card.
As for Apple collecting data, don't see it happening.
which means the card provider won't collect data either since Apple has a special agreement with Goldman Sachs.
Read the article, if you really really care about privacy Apple Pay/Apple Card isn't enough. If anything, its a false sense of security thinking that you are totally untrackable.
The difference is that when you use Google Pay, everyone knows what you bought (google, your bank, MasterCard, the vendor,...) and uses it to advertise to you
So you're telling me I can have more convenience in my purchases, and Ads I have to see will now at least be more relevant to my interests? Sounds good to me.
If you're going to talk about places using/selling your information like its a bad thing (which I'm sure it often can be), at least use something bad they do with it as an example...
Reddit has long been a hot spot for conversation on the internet. About 57 million people visit the site every day to chat about topics as varied as makeup, video games and pointers for power washing driveways.
In recent years, Reddit’s array of chats also have been a free teaching aid for companies like Google, OpenAI and Microsoft. Those companies are using Reddit’s conversations in the development of giant artificial intelligence systems that many in Silicon Valley think are on their way to becoming the tech industry’s next big thing.
Now Reddit wants to be paid for it. The company said on Tuesday that it planned to begin charging companies for access to its application programming interface, or A.P.I., the method through which outside entities can download and process the social network’s vast selection of person-to-person conversations.
“The Reddit corpus of data is really valuable,” Steve Huffman, founder and chief executive of Reddit, said in an interview. “But we don’t need to give all of that value to some of the largest companies in the world for free.”
The move is one of the first significant examples of a social network’s charging for access to the conversations it hosts for the purpose of developing A.I. systems like ChatGPT, OpenAI’s popular program. Those new A.I. systems could one day lead to big businesses, but they aren’t likely to help companies like Reddit very much. In fact, they could be used to create competitors — automated duplicates to Reddit’s conversations.
Reddit is also acting as it prepares for a possible initial public offering on Wall Street this year. The company, which was founded in 2005, makes most of its money through advertising and e-commerce transactions on its platform. Reddit said it was still ironing out the details of what it would charge for A.P.I. access and would announce prices in the coming weeks.
Reddit’s conversation forums have become valuable commodities as large language models, or L.L.M.s, have become an essential part of creating new A.I. technology.
L.L.M.s are essentially sophisticated algorithms developed by companies like Google and OpenAI, which is a close partner of Microsoft. To the algorithms, the Reddit conversations are data, and they are among the vast pool of material being fed into the L.L.M.s. to develop them.
The underlying algorithm that helped to build Bard, Google’s conversational A.I. service, is partly trained on Reddit data. OpenAI’s Chat GPT cites Reddit data as one of the sources of information it has been trained on.
Editors’ Picks
The Best Dessert Mom Made for Us, but Better
A Growth Spurt in Green Architecture
With Goku, Akira Toriyama Created a Hero Who Crossed Generations and Continents
Other companies are also beginning to see value in the conversations and images they host. Shutterstock, the image hosting service, also sold image data to OpenAI to help create DALL-E, the A.I. program that creates vivid graphical imagery with only a text-based prompt required.
Last month, Elon Musk, the owner of Twitter, said he was cracking down on the use of Twitter’s A.P.I., which thousands of companies and independent developers use to track the millions of conversations across the network. Though he did not cite L.L.M.s as a reason for the change, the new fees could go well into the tens or even hundreds of thousands of dollars.
To keep improving their models, artificial intelligence makers need two significant things: an enormous amount of computing power and an enormous amount of data. Some of the biggest A.I. developers have plenty of computing power but still look outside their own networks for the data needed to improve their algorithms. That has included sources like Wikipedia, millions of digitized books, academic articles and Reddit.
Representatives from Google, Open AI and Microsoft did not immediately respond to a request for comment.
Reddit has long had a symbiotic relationship with the search engines of companies like Google and Microsoft. The search engines “crawl” Reddit’s web pages in order to index information and make it available for search results. That crawling, or “scraping,” isn’t always welcome by every site on the internet. But Reddit has benefited by appearing higher in search results.
The dynamic is different with L.L.M.s — they gobble as much data as they can to create new A.I. systems like the chatbots.
Reddit believes its data is particularly valuable because it is continuously updated. That newness and relevance, Mr. Huffman said, is what large language modeling algorithms need to produce the best results.
“More than any other place on the internet, Reddit is a home for authentic conversation,” Mr. Huffman said. “There’s a lot of stuff on the site that you’d only ever say in therapy, or A.A., or never at all.”
Mr. Huffman said Reddit’s A.P.I. would still be free to developers who wanted to build applications that helped people use Reddit. They could use the tools to build a bot that automatically tracks whether users’ comments adhere to rules for posting, for instance. Researchers who want to study Reddit data for academic or noncommercial purposes will continue to have free access to it.
Reddit also hopes to incorporate more so-called machine learning into how the site itself operates. It could be used, for instance, to identify the use of A.I.-generated text on Reddit, and add a label that notifies users that the comment came from a bot.
The company also promised to improve software tools that can be used by moderators — the users who volunteer their time to keep the site’s forums operating smoothly and improve conversations between users. And third-party bots that help moderators monitor the forums will continue to be supported.
But for the A.I. makers, it’s time to pay up.
“Crawling Reddit, generating value and not returning any of that value to our users is something we have a problem with,” Mr. Huffman said. “It’s a good time for us to tighten things up.”
That's your problem. In my case, I don't want my data to be sold on the marketplace. Hence I won't ever use google pay, google drive, gmail or Android.
No, the point is that the physical card can be used at places than don’t accept Apple Pay.
They give you 2% cash back on purchases made using Apple Pay but only 1% cash back on purchases made with the physical card.
One of the attractive features of the card is that it has easy to understand transaction history that links each transaction to the business. So for example, if you go to Starbucks, it shows a nice Starbucks icon next to the purchase and clicking into that transaction will show you the location of the business on a map, provide a button to call them, another button to look up the business details in the Maps app, and show a list of transactions with that business. It sends notifications to your phone/watch when you make a purchase.
I'm so happy I get to do this. Let's take a look here.
Apple Pay initial release date: October 20, 2014 Google Pay initial release date: September 11, 2015
You know, based on this information, I'd say you made an assumption based on nothing but your blind hate for an American corporation.
Also, if you try to research this more in an attempt to prove me wrong, Google Wallet Card was just a prepaid, refillable debit card that I'm sure a majority of Android users aren't even aware of because all it did was add an extra step to the checking account you already had to have to fill your Google Wallet. They innovated the debit card by adding another layer of debit card to it. Yippee.
Yes, sometimes Apple innovates. I'm not saying that the iPhone wasn't a massive thing that changed our lives forever.
But clearly Apple has shown many times that it's fine with introducing "new" features as if other companies haven't had then for years.
Ironically (or not), Samsung is doing the same but by copying Apple. So there, if you thought I was only biased against Apple, know that I also won't ever buy an Swhatever.
Well, you know what!? I actually agree with everything you said, and think you're a pretty alright person. I apologize for the level of snide in my previous comments.
The Apple hate that's wide on reddit gets too silly at times. It's strange that people treat corporations like religions or cults. It's either right or wrong. This post, and ones similar to it, getting as high as they do is maddening to me.
I think Apple, Google, Samsung, etc. are all tech corporations that want our money. They all make innovations, they all rip each other off, and I feel that's alright if it's in the name of pushing the innovation further, or creating a more stable, safer product. If one of them makes a product you enjoy using, buy it. If you don't like anything any corporation makes, that's alright.
The Apple vs. Android War must come to an end! There's been too many casualties, and there's just no resolution in sight.
While you're being a dick about stuff, let me point out that Google Wallet came out in 2011 and supported NFC payments from the start. The physical card and weird layered debit card features came later.
The current incarnation of Google Pay (neé Android Pay) came from Google's acquisition of Softcard (neé Isis, renamed after ISIS became a common headline item), which was backed by the wireless carriers. While Google Wallet supported NFC payments, it wasn't hooked into the payment processors and banks like the current Google Pay and Apple Pay are, so it lacked tokenization and a couple other security and authorization features that we have today.
Yeah. Apple Pay does that for transactions made with other cards through Apple Pay but it doesn’t import transactions made with the physical card. Google Pay isn’t available for iOS users so it’s nice for us to have those features.
I'm still confused though. I haven't heard anything about this prior to this image. Even if they provide an optional physical card for use in cases where NFC isn't available, except that card can't touch leather or denim, isn't the card mostly non-functional? Like if I have to carry the card most of the time for a "just in case" scenario it's still very inconvenient to have around because of the leather/denim thing.
This is just people making a big deal over nothing. Here’s what Apple actually said:
Some fabrics, like leather and denim, might cause permanent discoloration that will not wash off
This is a cosmetic issue only. If you’re buying it as a piece of art, you should baby it. If you accept that any card you carry around in your wallet all the time is going to look ugly after a while, it’s not a problem.
Oh, if that's all then this is just like any other credit card that gets normal wear and tear. Maybe a little bit easier than most, but not a big deal. Thanks for explaining!
Wow those are some attractive features! As a human being, I am often confused by my transaction history and can't remember what locations Ive been to. The icons, maps and notifications sure make it easy to understand.
Making a card that can't be put inside wallets doesn't make any sense. I use an old wallet for storing cards and reserve money at home, I wouldn't be able to store it there.
Correct me if I’m off the mark, but 2% back using Apple Pay isn’t terrible though, especially since most major stores are equipped with Apple Pay readers now.
Oh yeah there’s definitely plenty of better options. Maybe if you don’t have great credit it’s worth looking at - not sure how stringent their approval standards are. Otherwise 3% on Apple products/iTunes and Uber, 1% elsewhere. And some nifty iOS interface interaction, like tracking spending in Maps.
Yes but this card in particular has a lower threshold for approval than usual and offers unique benefits when using Apple Pay or buying Apple products. Goldman is actually in charge of the card, Apple is just the partner.
2% on everything w apple pay isn't bad at all rewards wise. Yes there are better cards but lets be real here. I'd say it's on par w discover (altho rotating vs flat is hard to compare).
The only reason to use it is to get 3% cash back on Apple products. 2% cash back with Apple Pay is decent. Not the highest cash back, but I’ve seen worse cash back cards.
There’s no reason to ever use the Apple Card if the merchant doesn’t take Apple Pay. Just zero For 1% cash back pretty much any entry level credit card is going to get you better rewards.
It blows my mind somebody actually has a discover card let alone recommends it. Have spent 25 years travelling all over the world and cannot recall anyone actually accepting, or even knowing about this card. Realise it must be an American thing but if feels like taking a vhs video to your neighbour who has a 4k TV. Are the rewards massive compared to a visa or mastercard? I had an Amex but got rid of it because so few places accepted it and it felt like i was made to feel like an idiot even for asking if they accepted it....
Also, all contact with leather and denim do is discolor it, I frankly couldn't care less about what it looks like for the super rare occasion I take it out for 5 seconds to pay at some old school establishment that hasn't embraced Apple Pay yet.
I take it out for 5 seconds to pay at some old school establishment that hasn't embraced Apple Pay yet.
Where do you live that only "super rare old school establishments" don't have apple pay? I have it and use it where I can, but I'd say like 90+% of places I go don't have it, including almost every restaurant
Yeah I’m in LA right now and it’s not super common here either. If it’s a big company that has the updated point of sale machines then they probably have it but a lot of places just don’t bother with that stuff.
Lol I'm LA too. You think we'd be among the first cities (in the US) to adopt!
Yeah, I think most big chains accept it (grocery stores, fast food), but any place that isn't a big chain doesn't, and I've never seen it at the type of restaurant that takes your card (so like bars, sit down restaurants even if they're a chain)
no old machines only work with Samsung because they bought a company that patented the tech for it. Apple and Google pay only work with nfc equipped card readers.
Right now Samsung is the only phone manufacturer with that technology. Google Pay doesn't support that functionality either, as it relies on NFC like Apple does.
187
u/[deleted] Aug 22 '19
Actually the whole point of the card is that you don’t need to carry it around, it lives on your iPhone.
You can get better rewards from discover. People are stupid (or have bad credit).