Actually you get both. you get 3% back immediately, and can spread payments over 12 months at 0%.What?
You get 3% back using your Apple Card for payment in full OR 0% interest 12 month payment program... So yes there is cash back and on a nicely equipped $4,000 plus M1 Max it can be very good amount.
Yea not that mythical 7% but this 3% isn't a dream as you actually can get instead of being played.
Heck getting the 3% and then actually receiving the laptop has to be worth more than the 7% you obviously can't get and likely never will.
Why would they when the demand has outperformed the availability since its release. I mean haven't you seen this from the start?
I‘m not a big fan of the Apple Card, but for Apple products it’s a no brainer. That said, my first choice is always to go through Amazon, which offers 5% back on Amazon and Whole Foods purchases with the Chase Amazon card.