[emilsayahi]

Isn't this kind of card normal? The Fidelity card is basically the same (no fees, 2% cash back) but without any Apple-specific restrictions

EDIT: The Fidelity card has late fees, I guess. Does the Apple one not? It shouldn't really affect you if you know what you're doing

[dillon]

Apple Card can also sometimes offer 3% like at Walgreens and you can also get 6 months of free Uber One.

Another benefit of the Fidelity card is they reimburse your Global Entry or TSA pre check.

It’s not a bad idea to have both cards because the Apple Card is 1% with the physical card so having the Fidelity card with you for places that don’t accept Apple Pay is a good idea.

[noduerme]

Anyone who's ever had to pick up a prescription at a Walgreens will tell you that 3% doesn't begin to make up for the incredible shit you have to endure there. It's like being placed on hold indefinitely, only you have to keep standing in one spot while people sneeze on you, all while guys with backpacks come in and steal everything that isn't locked up. And if there's something you want like antacids or razor blades, it probably is locked up too, so spend another 15 minutes finding an extremely miserable employee to unlock those cabinets, then wait another hour in line to check out.

I remember visiting the Soviet Union as a kid and it's weird to watch Americans adopt the same passive, drained and resigned faces standing in lines at a Walgreens as Soviet citizens did waiting to cash bread tickets.

[usefulcat]

I don't know where you live but the Walgreens near me is nothing like that.

[rootusrootus]

Same. I think GP may be somewhere like SF.

[noduerme]

Portland. It's not like this in the rest of the country?

[DrewADesign]

It’s very location-dependent. I live in a very dense area with many Walgreens and competitors and they’re all about the same. When you drive out into the far suburbs or country, they’re not as bad.

Good independent pharmacies are the only way to go, IMO.

[smsm42]

I don't believe any card would mean "no fees" as "no late fees". It would be insane. I mean, I just take their money and never pay back and they are fine with it? Doesn't sound possible. I think they mean "no fees for regular usage" - like, annual fees, etc.

[zerocrates]

They really don't have late fees.

If you just never pay you'll owe a bunch of interest and they'll eventually send you to collections... the same basic process as for a normal card but just without the fees stacked on top.

[nutjob2]

Also cash advance fees:

https://online1.elancard.com/pdap/terms?locationCode=24193&o...