[likpok]

Maybe. I think Amex is still the leading corporate card — hard to find a less price sensitive bunch than people spending someone else’s money. That was part of why Amex was accepted in many places: high potential for big orders.

If my Apple Card switched to Amex I might switch the default tap to pay card to something else. Right now it’s very convenient for everywhere that takes tap-to-pay, but… who wants to deal with it sometimes not working?

[notyourwork]

It’s basically zero effort to use a different card.

[cheschire]

I think GP's point was that with AMEX not being accepted everywhere, it would no longer be a transparent action to pay with tap. Now they would have to either deal with the rejection and change to a non-default card, or they would need to prepare in advance by looking around for what kinds of cards are accepted. Neither of these things are a big deal, but it's friction, and consumers don't like friction.

[likpok]

Yeah I mean if it happens once or twice I’m gonna switch to a different default card. The .5% extra cash back isn’t that much, especially for something that’s all about convenience.

Mostly the Apple Card was a novelty for me: 100% of my usages is via Apple Pay.