A woman has carried an Apple Card for 4 years. No annual fee. Titanium card in her wallet. She loves how clean the app looks and how it tells her exactly where her money goes. She uses it at the grocery store, at restaurants, at gas stations, and for Amazon orders. She taps the physical card because "it's easier than pulling out my phone." Every month she earns a few dollars of Daily Cash, and she's never thought about it again. Last month she told her coworker: "Apple Card is fine, but the rewards are kind of meh. It's just 1% back on everything." Her coworker, a former fintech product manager who spent years working on card rewards programs, set down her coffee and said: "You're earning 1% because you're paying with the physical card. That's the lowest rate it has. The titanium card earns 1%. Apple Pay earns 2%. Certain merchants earn 3% when you pay with Apple Pay. You've been leaving up to two thirds of your rewards on the table for 4 years, and the difference is just which way you tap. You've never sent your Daily Cash to the Savings account, so it just sits there earning nothing. You've never used Monthly Installments for Apple purchases at 0% interest. You've never looked at the payment tab that shows what interest would cost you before you carry a balance. You've never set up Apple Card Family. You've never turned on the spending summaries. You've never used the virtual card number for online shopping. You think it's a basic card. It's one of the most feature-rich cards in your wallet, and you've been using it with the sound off." She opened Wallet on her iPhone and spent 20 minutes changing 10 things. Her next month of Daily Cash was more than double the previous one, with the exact same spending. "I didn't need a new card. I needed to stop tapping the titanium one." Here's every Apple Card feature most owners never use 🧵