[poulsbohemian]

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.

[dangus]

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).