[shagie]

On r/AppleCard there's a fairly consistent stream of people (often college students?) with their first credit card. The Path to Apple Card opens it up for a lot of people with poor or no credit history - people with credit limits of $1000 to $2000 (there are even some at $500 - https://www.reddit.com/r/AppleCard/comments/mwg9bn/this_is_m... ).

It gives people who are poorly banked an option to save in a higher yield account than what they may have with a big bank. One of the things that Apple Card does better than others is show that information about how much you're spending. With the savings account, showing that you are saving money can be useful in knowing that you've got it and its change over time (compared to logging into a bank that you otherwise rarely interact with).