[sgjohnson]

Not having a late fee doesn’t matter. Most people in the game for rewards have good credit. And you can’t have good credit with missed/late repayments.

Doesn’t matter if you get charged a fee on it or not — not having a late repayment likely matters to you more than the fee you’d be charged for having one.

Then again, judging by FICO scores that are okay for the Apple Card, it’s a entry-level card anyway.