It’s easy to make fun of the Apple Card because it is a credit card after all and not even the best perks, but it is legitimately an Apple product. The UI is stellar. The ease of use is tops. There really are no fees. The way cash back works is really nice. It’s very secure. The physical card is bound to become a status symbol. I don’t know if Goldman Sachs is going to make money off of it, but I think it’s going to become very popular with iPhone owners and make it even more difficult to switch away from Apple. There is a reason Apple makes all the money. They aren’t dummies.