# Apple Credit Card - What do people think? **URL:** \ **Category:** General Chat\ **Created:** [May 29, 2019, 9:23am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405 "2019-05-29T09:23:10Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![lilli](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/lilli/32/351_2.png) [@lilli](https://community.emma-app.com/u/lilli)\ **Post date:** [May 29, 2019, 9:23am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/1 "2019-05-29T09:23:10Z")
Clearly late to the party but what do people think about Apple Card launching this summer? It says no fees but how can a credit card have no fees? ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [May 29, 2019, 3:46pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/2 "2019-05-29T15:46:27Z")
I don’t expect to see it outside the US anytime soon, so haven’t been giving it too much thought! I do wonder if Emma will be able to access Apple Card data for American users though? Apple aren’t exactly famous for sharing! > [@lilli](#): > > It says no fees but how can a credit card have no fees? They will charge interest on outstanding balances if not paid off in full like any credit card. So will generate an income stream. I believe the “no fees” refers to no fee or penalty (like increased interest rate) if you fail to make a minimum payment, as well as well as no annual fees or international transactions fees. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [May 29, 2019, 4:48pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/3 "2019-05-29T16:48:20Z")
I think they can get in the UK in 2 years or less? I thought that’s what they said. I can see all the Apple fan boys having one. 😛 ---
**Author:** ![lilli](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/lilli/32/351_2.png) [@lilli](https://community.emma-app.com/u/lilli)\ **Post date:** [May 29, 2019, 5:17pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/4 "2019-05-29T17:17:31Z")
> [@edoardomoreni](#): > > I can see all the Apple fan boys having one. 😛 SO TRUE, I know a few people who will be getting one just to get it out in front of people at Pret 🤣 > [@o99](#): > > I don’t expect to see it outside the US anytime soon, so haven’t been giving it too much thought! I just assumed it would be launched in the UK at the same time, but fair enough haha 😂 I hate the way people sell things like credit cards, it’s so dishonest! Just tell me upfront how much interest I am going to be paying you lol. ---
**Author:** ![o99](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/o99/32/2132_2.png) [@o99](https://community.emma-app.com/u/o99)\ **Post date:** [May 29, 2019, 5:57pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/5 "2019-05-29T17:57:10Z")
> [@edoardomoreni](#): > > I think they can get in the UK in 2 years or less? I thought that’s what they said. I don’t remember reading any timeline for international expansion. Lack of (or very limited??) international expansion of Apple Cash 18 months after in launched in US makes me pessimistic of the likelihood of seeing the Apple Credit Card over here anytime soon. ---
**Author:** ![Aldot](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/aldot/32/151_2.png) [@Aldot](https://community.emma-app.com/u/Aldot)\ **Post date:** [June 1, 2019, 4:26pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/6 "2019-06-01T16:26:57Z")
Almost everything Apple announced at their services keynote was US-only for now. They have a tendency to do that - it’s really annoying! They really don’t put in enough effort for international services expansion unlike a certain finance app we know of 😉 They can do AppleTV+ in hundreds of countries because it’s their own content, and they can do Apple Music like that too because streaming music has been around for ages now. They’ve clearly got good negotiating teams in the US to be able to make such a low-fee credit card, and get people access to the WSJ for way less than WSJ’s own subscription fee… so why can’t they replicate that effort across Europe? Anyway rant over… if they come out with it in the UK I’ll definitely be getting one. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [June 2, 2019, 2:28pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/7 "2019-06-02T14:28:02Z")
> [@Aldot](#): > > Almost everything Apple announced at their services keynote was US-only for now. They have a tendency to do that - it’s really annoying! They really don’t put in enough effort for international services expansion unlike a certain finance app we know of 😉 🙊 ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [June 2, 2019, 2:28pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/8 "2019-06-02T14:28:16Z")
> [@Aldot](#): > > Anyway rant over… if they come out with it in the UK I’ll definitely be getting one. You can be sure it will happen. 😉 ---
**Author:** ![lilli](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/lilli/32/351_2.png) [@lilli](https://community.emma-app.com/u/lilli)\ **Post date:** [June 3, 2019, 7:25am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/9 "2019-06-03T07:25:14Z")
We should start a petition 🤣😉 ---
**Author:** ![grant.m](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/grant.m/32/2415_2.png) [@grant.m](https://community.emma-app.com/u/grant.m)\ **Post date:** [June 3, 2019, 7:05pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/10 "2019-06-03T19:05:54Z")
It will be available to the UK market, but the likelihood of the great cash back rate on all purchases? Not a chance! ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [June 4, 2019, 10:15am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/11 "2019-06-04T10:15:42Z")
You just like your Tandem too much. 😉 ---
**Author:** ![grant.m](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/grant.m/32/2415_2.png) [@grant.m](https://community.emma-app.com/u/grant.m)\ **Post date:** [June 4, 2019, 5:11pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/12 "2019-06-04T17:11:29Z")
Not particularly. ---
**Author:** ![Gaoler](https://avatars.discourse-cdn.com/v4/letter/g/71e660/32.png) [@Gaoler](https://community.emma-app.com/u/Gaoler)\ **Post date:** [June 4, 2019, 5:16pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/13 "2019-06-04T17:16:31Z")
Are you saying we should roll back consumer protection? Shame on you! ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [June 5, 2019, 7:50am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/14 "2019-06-05T07:50:12Z")
🤣🤣🤣 I just want an Emma credit card full of gummy bears. ---
**Author:** ![lilli](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/lilli/32/351_2.png) [@lilli](https://community.emma-app.com/u/lilli)\ **Post date:** [June 5, 2019, 8:13am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/15 "2019-06-05T08:13:52Z")
This would be 😍 ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [July 10, 2019, 10:22pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/16 "2019-07-10T22:22:05Z")
> [@edoardomoreni](#): > > I can see all the Apple fan boys having one If they can give me 3% cashback on my iPhone and let me put it through BA Executive Club at the same time I’ll have one just for those occasions 😂😂 For what it’s worth though I reckon we get a watered down version of the Apple Card within the next 2 years as Apple tries the UK to see if it’s viable to offer credit cards in an EU country with a lot of consumerism (we’re probably the closest EU country to America in this aspect) > [@edoardomoreni](#): > > I just want an Emma credit card full of gummy bears. Can it give me cashback… In gummy bears? ---
**Author:** ![Orko](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/orko/32/507_2.png) [@Orko](https://community.emma-app.com/u/Orko)\ **Post date:** [July 31, 2019, 7:40pm UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/17 "2019-07-31T19:40:09Z")
I love Apple but I can’t see me getting one. Not sure that I’ve ever had a credit card. ---
**Author:** ![Recchan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/recchan/32/444_2.png) [@Recchan](https://community.emma-app.com/u/Recchan)\ **Post date:** [August 1, 2019, 6:13am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/18 "2019-08-01T06:13:16Z")
What’s wrong with credit cards? ---
**Author:** ![Orko](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/orko/32/507_2.png) [@Orko](https://community.emma-app.com/u/Orko)\ **Post date:** [August 1, 2019, 9:04am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/19 "2019-08-01T09:04:03Z")
Was a bit paranoid about debt. Doubt I would get one now anyway since my illness is affecting my ability to work. ---
**Author:** ![lilli](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/lilli/32/351_2.png) [@lilli](https://community.emma-app.com/u/lilli)\ **Post date:** [August 1, 2019, 9:09am UTC](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405/20 "2019-08-01T09:09:27Z")
I think credit cards can be good for rewards and a lot of people use them here for the benefits but I would never get a credit card unless I knew I could afford to pay it off in full or monthly on 0% interest for X months. (obvs it’s good for credit rating if you want to buy a house) Having spent a lot of time on IG following the debt-free community, it’s really hard to get out of. [Next page](https://community.emma-app.com/t/apple-credit-card-what-do-people-think/405.md?page=2)