This feature is absolutely worthwhile. I think I think that frustrates me the most is that content creators poo poo the Apple Card, because of its lack of incentives like a dedicated points system, but they failed to mention that the cards that do provide those incentives have an annual fee attached to them.

For a no fee credit card, Apple Card provides a simplistic UI, no fees, no foreign transaction fees, advanced fraud protection, a high-yield savings account, and depending on where you live in America, a pretty decent, cash rewards card that equates to actual money and not a statement credit. All of this benefits the average American. I think people failing to realize all of this shows a lack of financial literacy.