This is it. I’ve had the Apple Card since launch day in Aug 2019. I haven’t paid ma single cent in interest, and I use the card for a large bulk of my purchases. We have Apple Pay available most places here, so I get 2% cash back on all of those purchases, 3 % back on purchases from Apple and 1% back on everything else. Right now, for example, I’ve got $40 in cash back from my purchases over the past three weeks. Money to me for doing nothing more than buying what I was going to buy anyway.I think it's worth it. 3% cash back for Apple Store and Apple Services (Music/iCloud, etc) and 2% cash back on other Apple Pay usage - straight to your Apple Cash card at the end of each day. I always pay it off at the end of the month, so I haven't paid any interest on it at all. There's a few other stores/brands that also give 3% cash back when using it, too. The customer service from Goldman-Sachs has been excellent (gave me a refund during that iPhone 13 Apple Card glitch) and their help is readily available. It's a wicked fancy card, if/when you break out the physical card...serious flex when you break it out.
If you want to spread out the payback of the card balance for certain purchases from Apple interest free, you can do that, too.
So, if you’re an Apple person, it can be worth it.
Also, the Apple Card interface is quite nice.