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by dangus 2337 days ago
That doesn’t make sense, the cash back could just be cash. It doesn’t make those services magically free.
2 comments
poulsbohemian 2337 days ago
Except there's a cycle - you get 3% back on Apple purchases. Notice I said "free" with air quotes - sure, you are spending money, but you are also being rewarded for staying in the Apple walled garden. So back to my point - why pay $9-$15/mo for Spotify when if you play the game, Apple has a "good enough" product and is incentivizing you monetarily to the point that their services become "included" rather than a separate line item in your monthly budget. Maybe it doesn't matter to you, but to a wide swath in middle America it does.
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dangus 2333 days ago
That still doesn’t make sense. You could use the cash back on a Spotify subscription just the same.

The Apple Card’s credit card rewards aren’t even that good compared to what other large banks offer (e.g. the Citi Double Cash card).

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ulfw 2337 days ago
Exactly. You can use CASH back for any further credit card purchase, including a Spotify subscription for that matter. Wouldn't call Spotify "free" though.
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