# Apple Card Hacker Approved page: https://hackerapproved.com/p/apple-card/ 15 people recommended Apple Card in Hacker News comments, 9 had mixed feelings and 32 criticized it, November 2025 to October 2026. It was recommended in 5 of 12 months, in 7 threads. It does not meet the Hacker Approved badge rule. 8 of the 15 people who recommend it commented in one thread, “Chase to become new issuer of Apple Card”. These are opinions from Hacker News comments, not financial advice. **Verdict:** Criticized more than recommended, mainly for weak rewards and limited use outside Apple Pay; those who recommend it cite 3% cash back and 0% installment plans on Apple purchases, plus privacy and fast transactions. Summary written by Claude from the comments below. ## What people warn about - Few perks and Apple-only features (3 comments in the sample): "it's very annoying to use outside of Apple ecosystem" ([source](https://news.ycombinator.com/item?id=46537965)) "Has none of the usual expected perks like rental car insurance or damage/theft protection on purchases." ([source](https://news.ycombinator.com/item?id=46537895)) "The only fully-functional interface for viewing statements and scheduling payments is on iPhone." ([source](https://news.ycombinator.com/item?id=46538355)) - Weak rewards outside Apple Pay (2 comments in the sample): "For everything where Apple Pay works, it’s a great deal; for everything else, it’s below average" ([source](https://news.ycombinator.com/item?id=46537816)) "If you care about earning cash back and points it's only a good card for buying Apple products." ([source](https://news.ycombinator.com/item?id=46537689)) - No card number for online use (2 comments in the sample): "bad cashback, no printed number making it useless for e.g. hotel or airline card number confirmations at checkin" ([source](https://news.ycombinator.com/item?id=46537875)) "IIRC the card doesn't actually have a number anywhere, so if you ever need to enter it, you're out of luck." ([source](https://news.ycombinator.com/item?id=46544057)) - Hard to get disputes resolved (2 comments in the sample): "Goldman, the bank operating Apple Card in the U.S., has previously refused to perform that block future debits process for me" ([source](https://news.ycombinator.com/item?id=47714422)) "people have said it’s been very very hard to get Goldman Sachs to dispute a transaction" ([source](https://news.ycombinator.com/item?id=46543543)) ## Why people recommend it - Strong cash back rewards (3 comments in the sample): "3% cash back plus 0% APR installment on Apple product purchases is a nice double dip that most cards can't touch" ([source](https://news.ycombinator.com/item?id=46537718)) "Apple Card can also sometimes offer 3% like at Walgreens and you can also get 6 months of free Uber One." ([source](https://news.ycombinator.com/item?id=46537954)) "The Apple Card does 2% cash back which you can just transfer to your bank account." ([source](https://news.ycombinator.com/item?id=46730499)) - 0% installment plans on Apple purchases (3 comments in the sample): "I've used my Apple card to buy a few Apple devices and indeed with 0% interest." ([source](https://news.ycombinator.com/item?id=46537736)) "Sign up for Apple Card and you can purchase on a payment plan." ([source](https://news.ycombinator.com/item?id=48467902)) "the blissfully simple Apple Card payment plan" ([source](https://news.ycombinator.com/item?id=49087778)) - Transaction data kept private (3 comments in the sample): "does not resell your granular transaction data to 3rd party brokers" ([source](https://news.ycombinator.com/item?id=46537932)) "They also kept transaction data more private than other cards" ([source](https://news.ycombinator.com/item?id=46537559)) "does not resell your purchase history to data brokers" ([source](https://news.ycombinator.com/item?id=46537860)) - Polished app and customer experience (3 comments in the sample): "I love the customer UX, including the privacy from vendors part." ([source](https://news.ycombinator.com/item?id=46537738)) "they come with a pretty amazing customer support system" ([source](https://news.ycombinator.com/item?id=46537810)) "the application for it in Wallet is first rate" ([source](https://news.ycombinator.com/item?id=46535218)) ## Other credit cards people recommend - [American Express credit card](https://hackerapproved.com/p/american-express/): 13 recommend, 5 mixed, 25 criticize - [Discover it cashback credit card](https://hackerapproved.com/p/discover-card/): 5 recommend, 3 mixed, 3 criticize - [Robinhood Gold Card](https://hackerapproved.com/p/robinhood-gold-card/): 5 recommend, 2 mixed, 0 criticize - [Chase Sapphire credit card](https://hackerapproved.com/p/chase-sapphire-reserve/): 5 recommend, 2 mixed, 2 criticize ## The badge A product earns the Hacker Approved badge when at least 10 people recommend it, recommenders outnumber critics at least 2 to 1 (mixed feelings count toward neither side), it was recommended in at least 4 of the 12 months and in at least 5 different threads, and no single thread supplies more than half of the people who recommend it. Health and money products are never badged. ## Cite as Hacker Approved, "Apple Card", https://hackerapproved.com/p/apple-card/ (15 recommend, 9 mixed, 32 criticize; Hacker News comments, November 2025 to October 2026). Counts updated 2 Nov 2026, with data through October 31, 2026.