I’m actually really looking forward to this card. My entire financial management program hinges on my credit card and I’ve been using one from my credit union for the ease of payments and rewards deposits.
I really like the idea of rewards being applied to your account daily versus having to wait for an annual payout. Also, having it linked to Apple Pay should mean the payments applied should be immediate as opposed to waiting for a 24 hour refresh.
On top of all that you get a sweet metal card.
Edit: 12.4 is great.