<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>roland35</author><text>Fidelity has a flat 2% card which has no annual fee. The cash back then automatically transfers to my brokerage account where it immediately loses money in the stock market, so maybe it works out to less than 2% :)&lt;p&gt;Citi also has a widely used cash back card for ~2%</text><parent_chain><item><author>pwinnski</author><text>People keep saying things like this, and rarely offer up the name of any better card when asked.&lt;p&gt;Apple Card offers 2% cash back on all Apple Pay purchases, which... exactly matches my no-fee card from Chase. Except I have to choose how to use the 2% from Chase when it eventually is available, while I can spend Apple&amp;#x27;s 2% the next day via Apple pay. I threw the metal card in a drawer when it arrived, so if your goal is tell people not to use the physical card, then sure, I&amp;#x27;m with you. But I don&amp;#x27;t think that&amp;#x27;s the primary use of the card.</text></item><item><author>commoner</author><text>For US residents, the Apple Card is not a competitive credit card. There are enough credit cards with no annual fees offering at least 2% cash back on all purchases that the Apple Card&amp;#x27;s 1% back on general purchases is not a good value. Just about every credit card issuer in the US supports Apple Pay as well, allowing these 2% cash back cards to match the Apple Card&amp;#x27;s 2% on Apple Pay purchases.</text></item><item><author>bradgessler</author><text>Something to think about: if for whatever reason you can’t pay Apple, they will disable your iCloud account.&lt;p&gt;&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&lt;/a&gt;&lt;p&gt;I refuse to get an Apple Card until they firewall the two and make them independent of each other.</text></item></parent_chain></comment><story><title>Apple introduces Apple Pay Later</title><url>https://www.apple.com/newsroom/2023/03/apple-introduces-apple-pay-later/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>mulmen</author><text>I never redeem points for purchases.  I always apply them to a billing credit.  If you redeem points for a purchase you don&amp;#x27;t accrue points on that purchase.&lt;p&gt;Chase of course goes out of their way to make this as painful as possible.  Currently their app is broken and points can&amp;#x27;t be redeemed for cash.  There is also no way to automatically apply all points to a statement credit.  My perception that this is the best use of points is reinforced by how much effort they put into trying to convince me to do something else.</text><parent_chain><item><author>pwinnski</author><text>People keep saying things like this, and rarely offer up the name of any better card when asked.&lt;p&gt;Apple Card offers 2% cash back on all Apple Pay purchases, which... exactly matches my no-fee card from Chase. Except I have to choose how to use the 2% from Chase when it eventually is available, while I can spend Apple&amp;#x27;s 2% the next day via Apple pay. I threw the metal card in a drawer when it arrived, so if your goal is tell people not to use the physical card, then sure, I&amp;#x27;m with you. But I don&amp;#x27;t think that&amp;#x27;s the primary use of the card.</text></item><item><author>commoner</author><text>For US residents, the Apple Card is not a competitive credit card. There are enough credit cards with no annual fees offering at least 2% cash back on all purchases that the Apple Card&amp;#x27;s 1% back on general purchases is not a good value. Just about every credit card issuer in the US supports Apple Pay as well, allowing these 2% cash back cards to match the Apple Card&amp;#x27;s 2% on Apple Pay purchases.</text></item><item><author>bradgessler</author><text>Something to think about: if for whatever reason you can’t pay Apple, they will disable your iCloud account.&lt;p&gt;&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;dcurt.is&amp;#x2F;apple-card-can-disable-your-icloud-account&lt;/a&gt;&lt;p&gt;I refuse to get an Apple Card until they firewall the two and make them independent of each other.</text></item></parent_chain></comment><story><title>Apple introduces Apple Pay Later</title><url>https://www.apple.com/newsroom/2023/03/apple-introduces-apple-pay-later/</url></story>