Other than paying off my large Mac purchases over time, I’ve found very little use for this card in the wild.

Bank of America select cash back does 3% on all online purchases, including apple.

Chase freedom does 1.5% on everything. (which is a negligible difference from the 2% Apple Pay perk)

The combination really puts apple only perk as 0% APR.

I’m sure someone will vehemently tell me how wrong I am but, this is basically an in store credit card good for deferring payments only.