It’s so painless on the Apple Card. Automatic x% back into an Apple Cash account depending on the specifics of the purchase (phone vs card, Apple store vs other store).
When you pay off the card, it can automatically debit the Apple Cash account first. Basically all my purchases are 1% cheaper on that card than my other ones. Sure, spending $9,900 instead of $10,000 doesn’t sound like much, but it’s painless free money.
That "free" money comes from fees paid by the seller to the credit card company, and is passed along to you in the form of higher prices. Unfortunately, paying cash seldom lets you opt out of these credit card driven price increases.
When you pay off the card, it can automatically debit the Apple Cash account first. Basically all my purchases are 1% cheaper on that card than my other ones. Sure, spending $9,900 instead of $10,000 doesn’t sound like much, but it’s painless free money.