{"id":4125,"date":"2026-07-20T22:16:30","date_gmt":"2026-07-20T22:16:30","guid":{"rendered":"https:\/\/silvybrand.com\/?p=4125"},"modified":"2026-07-20T22:16:30","modified_gmt":"2026-07-20T22:16:30","slug":"galaxy-card-is-samsung-answer-to-the-apple-card","status":"publish","type":"post","link":"https:\/\/silvybrand.com\/?p=4125","title":{"rendered":"The Galaxy Card Is Samsung\u2019s Answer to the Apple Card"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div>\n<p class=\"paywall\">\u201cCards are basically a commodity at the end of the day; how you differentiate them is really what makes the difference,&#8221; Riley says. \u201cThat&#8217;s really the big deal here\u2014how you use your card.&#8221; Riley has a card for grocery shopping and one for Amazon transactions; all of these steps help him earn the most points.<\/p>\n<p class=\"paywall\">\u201cOne of the big challenges here on rewards is that quite often, you go in well-intentioned and you don&#8217;t get the full benefit of the rewards because you start revolving on the product,\u201d Riley says, meaning cardmembers start accumulating interest on the unpaid balance, with interest charges wiping out the value earned by the rewards.<\/p>\n<p class=\"paywall\">Riley points to one of the failings of the Apple Card: Apple oversold it. It&#8217;s slick, yes, but it never became a mainstream challenger to the credit card industry because the average consumer typically has three or four cards per household: one for all of their purchases, one for emergencies, and one that might focus on travel.<\/p>\n<p class=\"paywall\">Sara Rathner, a credit card expert at NerdWallet, echoed that sentiment. \u201cThe Apple Card is far from the <a href=\"https:\/\/www.wired.com\/gallery\/iphone-buying-guide\/\" class=\"text link\">iPhone<\/a> in terms of changing the world,\u201d Rathner says. \u201cIt&#8217;s fine; it&#8217;s a cash-back card.\u201d All of these cards exist to create brand loyalty, she says. If you have a lot of points with Hyatt, you&#8217;re more likely to book a stay at a Hyatt property on your next trip. If you make many purchases with Samsung Wallet, that might incentivize you to get the Galaxy Card.<\/p>\n<p class=\"paywall\">Rathner says the 3 percent cash reward for purchases using the Samsung Wallet app is a really good rate. If you tap-to-pay at New York City&#8217;s subway turnstile with Samsung Wallet on your phone, for example, that&#8217;s 3 percent on every commute, and \u201cthat would be compelling.\u201d<\/p>\n<p class=\"paywall\">While Rathner finds the Apple Card underwhelming, she does credit Apple with innovating on certain features. For example, Apple allows you to see the interest rate and credit rate you would qualify for before a credit pull, something other credit cards are increasingly offering. The app (and card) have a beautiful design, the physical card is easy to activate with just a tap on the iPhone, and cash rewards are posted daily rather than waiting for a billing cycle.<\/p>\n<p class=\"paywall\">\u201cI think if other cards want to compete in that way and also follow suit with those features, I think that just makes credit cards in general better products for consumers,&#8221; Rathner says. \u201cWe&#8217;ll see how this resonates with people who have Samsung phones.\u201d<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.wired.com\/story\/galaxy-card-is-samsung-answer-to-the-apple-card\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cCards are basically a commodity at the end of the day; how you differentiate them is really what makes the difference,&#8221; Riley says. \u201cThat&#8217;s really the big deal here\u2014how you use your card.&#8221; Riley has a card for grocery shopping and one for Amazon transactions; all of these steps help him earn the most points. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[345,884,1009,538,103,1010,1011],"class_list":["post-4125","post","type-post","status-publish","format-standard","has-post-thumbnail","category-gadgets","tag-apple","tag-cards","tag-credit-cards","tag-finance","tag-samsung","tag-samsung-galaxy","tag-visa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Galaxy Card Is Samsung\u2019s Answer to the Apple Card - Silvybrand Lifestyle Blog<\/title>\n<meta name=\"description\" content=\"Directly added to your Samsung Wallet account, it\u2019s yet another cash-back credit card, this time tailored for Samsung stans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silvybrand.com\/?p=4125\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Galaxy Card Is Samsung\u2019s Answer to the Apple Card - 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