We’ve been part of the Apple ecosystem since the very beginning — we’ve been using iPhones since the original one came out in 2007. Over the years, our house has filled up with iMacs, a Mac Mini, MacBooks, iPads, Apple Watches, and plenty more iPhones. (This is an old photo — we’ve had many more iPhones since then.)

I remember when you could finance a new iPhone through your mobile carrier. With iPhones now costing north of $1,000, being able to roll the cost into your monthly phone bill felt a lot more manageable than paying the full amount upfront.

But starting with the iPhone 13, Apple stopped offering financing — unless you applied for the Apple Card.

I hadn’t planned on getting one, but once I looked into it, I realized the Apple Card had some benefits you just don’t see with other credit cards.

The Apple Card, issued by Goldman Sachs, launched in August 2019 as the first credit card fully integrated into the Apple ecosystem. As soon as you’re approved, it’s ready to use in your Apple Wallet. You can make purchases, view transactions, and pay your bill — all directly from your iPhone or iPad.

There’s no annual fee and the card functions as a cashback card. But instead of waiting for your statement to close, Apple gives you Daily Cash — your rewards are credited daily.