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    Investigating the Prospects of a Travel-Oriented Apple Card: Perspectives from 9to5Mac

    # The Apple Card’s Future: A Premium Travel Credit Card on the Horizon?

    Recently, the Apple Card marked its fifth anniversary, stirring up conversations about its future and potential transformations. Although the current version of the Apple Card has its advantages, it has not significantly boosted Apple’s profits. As the technology leader seeks to bolster its role as a services provider, launching a high-end travel credit card might be a wise strategy.

    ## Current State of the Apple Card

    Introduced in 2019, the Apple Card is a simple credit card that charges no annual fee. It offers 2% cash back on purchases made via Apple Pay, with a higher 3% cash back on purchases from Apple and select partner vendors. While appealing, these benefits lack the thrill and competitive advantage found in other credit card offerings.

    From a financial standpoint, the Apple Card has presented difficulties for Goldman Sachs, the issuing bank, which has reportedly faced losses exceeding a billion dollars. With Goldman Sachs aiming to dissolve its partnership in the coming months, it may be the perfect moment for Apple to reassess its credit card approach.

    ## The Competitive Landscape

    In the realm of general-purpose travel credit cards, prominent players like Chase, American Express, Citi, and Capital One lead the pack. These cards often require users to manage several accounts to maximize rewards, which can be a hassle. Apple has the chance to streamline this experience by introducing a unified travel credit card that appeals to a wider audience.

    For example, the Chase Trifecta merges the Chase Freedom Unlimited, Freedom Flex, and Sapphire Preferred, allowing users to accumulate points across various categories while consolidating them into a single rewards ecosystem. Apple could design a similar framework, making it more straightforward for users to earn and redeem rewards.

    ## Potential for Apple Card Pro: A New Age of Rewards

    An envisioned “Apple Card Pro” could concentrate on travel rewards while keeping some features of the current card. It could offer a structure where users earn 1x points on all purchases and 2x points when utilizing Apple Pay. Furthermore, Apple could boost the card’s attractiveness by providing 3x points on dining and travel expenditures, doing away with the necessity for multiple partnerships with different merchants.

    Setting a competitive annual fee of approximately $299, similar to the American Express Gold Card, could be ideal. To further captivate users, Apple could introduce premium benefits, such as airport lounge access, which is increasingly desired by frequent flyers.

    ## Travel Perks

    To boost the allure of the Apple Card Pro, forging alliances with airport lounge networks like Priority Pass could prove transformative. This would give cardholders entry to over 1,600 airport lounges globally, positioning it as one of the more economical cards to provide such a benefit. Limiting access to around 12 visits annually would still afford users plentiful opportunities to enjoy this feature while allowing Apple to benefit from the annual fee.

    Additionally, Apple could create a centralized travel portal that simplifies the search for point redemptions across various partners. This would ease the frustration of navigating multiple sites to locate the best value for point transfers, enhancing the user experience.

    ## Final Thoughts

    As the Apple Card nears a critical turning point in its development, introducing a high-end travel credit card could align with the company’s overarching strategy of expanding its services portfolio. By concentrating on travel rewards, simplifying user interaction, and offering attractive benefits, Apple could draw in a new group of customers while reinvigorating its credit card program.

    Would a travel-centric Apple Card motivate you to enroll, or do you see a different path for Apple’s credit card strategy? Share your opinions in the comments below.

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    “Suggestion for Apple to Create a Travel-Oriented Credit Card” – 9to5Mac

    # The Prospective Evolution of Apple Card: A Premium Travel Credit Card?

    Apple Card has recently marked its five-year milestone, sparking conversations about its future and possible transformation. As Apple aims to strengthen its position as a services-oriented company, the inquiry arises: might a premium credit card be forthcoming? Given that the existing Apple Card hasn’t been particularly lucrative and Goldman Sachs is set to terminate its collaboration, this could be an opportune moment for a revamped product.

    ## Apple Card as It Stands

    At present, the Apple Card functions as a simple credit card with no annual fee, offering users 2% cash back on purchases via Apple Pay. Furthermore, it provides a 3% cash back rate on transactions made at Apple and selected partner stores. Although this framework attracts some users, it lacks the thrill and extensive perks found in numerous rival credit cards.

    Concerns about the financial outcomes of the Apple Card have emerged, with reports suggesting that Goldman Sachs, the card’s issuing bank, has faced losses exceeding a billion dollars since its inception. As Goldman Sachs gears up to exit the partnership, Apple might be contemplating a fresh approach for its credit card lineup.

    ## The Competitive Landscape

    The credit card arena is flooded with choices, especially within the travel rewards domain. Prominent players like Chase, American Express, Citi, and Capital One lead this segment with general-purpose travel credit cards. These cards usually compel users to manage multiple accounts to optimize rewards, which can be cumbersome.

    For example, the Chase Trifecta comprises three cards designed to work in unison to maximize rewards: the no-annual-fee Chase Freedom Unlimited and Chase Freedom Flex, along with the $95 Chase Sapphire Preferred. This arrangement facilitates points accumulation across diverse categories and allows transfers to travel partners. However, juggling multiple cards can be daunting for many consumers.

    ## The Concept of an ‘Apple Card Pro’

    Considering the competitive environment, Apple has the opportunity to launch a single, high-end travel credit card that streamlines the rewards experience. This new card, provisionally named the “Apple Card Pro,” would prioritize travel perks and partnerships with airlines and hotels, which have presented challenges for other financial institutions.

    The suggested framework for the Apple Card Pro could encompass 1x points on all transactions made with the physical card and 2x points for purchases through Apple Pay. Preserving the 3x points on Apple purchases would further motivate expenditures within the Apple ecosystem. Nonetheless, the card could pivot from numerous partnerships to instead provide 3x points on dining and travel-related charges.

    A potential annual fee of approximately $299 would position the card competitively, akin to the American Express Gold Card. To boost its attractiveness, Apple might incorporate benefits such as airport lounge access.

    ## Travel Perks and Collaborations

    One of the standout features of the Apple Card Pro could be access to airport lounges. By teaming up with Priority Pass, Apple could grant cardholders entry to over 1,600 lounges globally. This advantage would be one of the more reasonably priced in the market, possibly allowing for a limited number of visits per year—perhaps 12—making it suitable for frequent travelers.

    Moreover, Apple could create a unified travel portal that simplifies point redemptions across various partners. This would tackle a common frustration for travelers who frequently find it laborious to navigate the best redemption options across different airline and hotel platforms.

    ## Conclusion

    As Apple Card moves toward its next chapter, the possibility of a premium travel credit card presents an exciting opportunity. By refining the rewards framework, providing valuable travel perks, and capitalizing on its existing ecosystem, Apple could develop a captivating product that attracts a wider audience. Whether a travel-centric card would draw users to subscribe to Apple Card is yet to be determined, but it certainly paves the way for innovative prospects in the credit card sphere.

    What do you think? Would you be interested in an Apple Card Pro, or do you believe Apple should pursue an alternative strategy? Share your thoughts in the comments!

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    • Comments Off on Why I’ve Stopped Using Heart Rate Monitor Chest Straps
    Why I’ve Stopped Using Heart Rate Monitor Chest Straps

    ## Why I’m Transitioning from the Polar H10 Chest Strap to an Arm Strap for Evaluating Smartwatch OHR Precision

    ### Introduction

    For several years, the Polar H10 chest strap has served as my primary tool for assessing the precision of optical heart rate (OHR) sensors in smartwatches. The H10 is widely acknowledged as the pinnacle of heart rate measurement, delivering accurate and rapidly adapting data that has proven to be crucial in my assessments. However, after thorough evaluation and personal insights, I’ve opted to transition to an OHR arm strap. Here’s the rationale behind my decision.

    ### The Argument for Chest Straps

    Chest straps such as the Polar H10 are frequently viewed as the most precise approach for heart rate measurement during workouts. They utilize an electrocardiograph (ECG) to directly gauge the heart’s electrical activity, producing real-time information that is difficult to surpass. This renders them the preferred option for athletes and fitness aficionados who prioritize precision above anything else.

    When functioning correctly, a chest strap provides nearly immediate readings that swiftly adjust to heart rate changes. This is especially beneficial for high-intensity exercises where heart rates can vary drastically. In my experience, the Polar H10 has proven to be an essential device for comparing the accuracy of different smartwatches, assisting me in evaluating how well their optical sensors perform against a reliable benchmark.

    ### The Limitations of Chest Straps

    Despite their precision, chest straps bring along a range of challenges. For starters, they can be uncomfortable, particularly during extended workouts. The snug fit necessary to maintain a solid connection may feel constraining, which can impede achieving the right mindset during a jog or exercise session. Furthermore, chest straps demand a bit of preparation before they can be utilized—electrodes need to be moistened with water, gels, or saliva to guarantee a solid connection, which can be both inconvenient and somewhat off-putting.

    Additionally, chest straps aren’t immune to inaccuracies. Aspects like chest hair, static from synthetic materials, and the tightness of the strap can disrupt the signal. In my own evaluations, I’ve observed that the Polar H10 occasionally faces challenges during the initial 10–15 minutes of a workout, yielding erratic readings before stabilizing. This variability can complicate reliance on the data, particularly when testing the precision of other devices.

    ### Reasons for Switching to an OHR Arm Strap

    In light of the shortcomings associated with chest straps, I began looking into alternatives and discovered that OHR arm straps present a compelling option. In contrast to wrist-based sensors, which can falter in accuracy due to movement and light interference, arm straps offer a more stable and comfortable fit. The larger surface area on the biceps ensures better contact with the skin, decreasing the likelihood of gaps that can allow light in and distort results.

    Recently, I evaluated the COROS Heart Rate Monitor, an OHR arm strap, and was struck by its accuracy and comfort. The device produced results nearly indistinguishable from those of the Polar H10, but without the discomfort and preparatory steps associated with a chest strap. Additionally, my partner, who has experienced challenges with wrist-based OHR sensors due to skin tone, also found the arm strap to be more dependable.

    ### The Accuracy Discussion: Chest Straps vs. Arm Straps

    It’s crucial to recognize that chest straps generally deliver higher accuracy than OHR sensors, whether worn on the wrist or arm. However, the accuracy gap between chest straps and high-quality OHR arm straps is minimal, particularly when contrasted with wrist-based sensors. In my trials, the COROS arm strap consistently yielded results within 1 bpm of the Polar H10, even during high-intensity workouts.

    For the majority of users, this level of accuracy suffices for monitoring fitness metrics and making informed training decisions. The comfort and practicality of an arm strap render it a more viable option for everyday use, especially given the minimal difference in accuracy.

    ### The Bigger Picture: Smartwatch Accuracy Assessment

    A key motivator behind my decision is to align my testing methods with how most individuals utilize smartwatches. While chest straps provide the pinnacle of accuracy, they are not practical for daily use, and most smartwatch users depend on the device’s internal OHR sensor. By employing an OHR arm strap as a reference point, I can offer a more realistic comparison of how effectively a smartwatch’s optical sensor performs in everyday scenarios.

    Smartwatches may never achieve the accuracy of a chest-based ECG, but that doesn’t imply they lack utility. The objective is to identify devices that are “sufficiently good” for the average user, balancing precision, comfort, and convenience. By evaluating smartwatches against an OHR arm strap, I can more effectively assess how they measure up to this ideal.

    ### Conclusion

    While chest straps like the Polar H10 continue to epitomize the standard for heart rate monitoring, they are not without their disadvantages.

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    “Imminent Termination: Ten Apple Devices Anticipated to Be Retired Next Month – 9to5Mac”

    # Upcoming Adjustments in Apple’s Product Range: Expectations for the September Event

    With the annual iPhone event on the horizon, slated for **September 10th**, anticipation is growing for the reveal of the **iPhone 16**, fresh **AirPods**, updated **Apple Watch** versions, and possibly additional surprises. Alongside these new offerings, Apple is expected to retire several older models. Here’s a deeper examination of which products might soon be retired.

    ## iPhone 15 Pro & iPhone 15 Pro Max

    Historically, Apple tends to phase out flagship iPhones a year post-launch. Following this pattern, the **iPhone 15 Pro** and **iPhone 15 Pro Max**, which pioneered titanium in the iPhone range, are likely to see their discontinuation. This will signify the end of the 6.1-inch and 6.7-inch Pro models, as the forthcoming iPhone 16 series is anticipated to boast larger displays. Additionally, the distinct Blue Titanium hue of the iPhone 15 Pro may not transition to the next iteration.

    ## iPhone 14 Plus

    The **iPhone 14 Plus** marked Apple’s initial foray into the entry-level large iPhone segment, aimed at users desiring a bigger display without the premium cost of Pro variants. Following the last year’s discontinuation of the **iPhone 13 mini**, it’s reasonable to expect the iPhone 14 Plus will also be retired, while the regular **iPhone 14** stays available for a more extended period.

    ## iPhone 13

    Launched in 2021, the **iPhone 13** has undergone multiple price reductions and currently stands as the longest-serving iPhone model featured on Apple’s site. As the release of the iPhone 16 draws near, it’s likely that the iPhone 13 will be phased out, making way for the iPhone 14 to take its position at the $599 price tier.

    ## Apple Watch Series 9, Ultra 2, and SE 2

    Expected enhancements to the **Apple Watch** lineup encompass the **Series 10**, which is likely to present larger, more efficient displays, a slimmer design, and potentially a new chipset. With new models on the horizon, it’s probable that Apple will discontinue the existing **Series 9**, **Ultra 2**, and **SE 2** versions.

    ## AirPods 2 and AirPods 3

    The **AirPods 2**, in circulation since 2019, along with the **AirPods 3**, introduced in 2021, may soon see replacements in the form of new models. Apple is projected to unveil two new types of **AirPods 4**: a budget-friendly version to succeed the AirPods 2 and a mid-tier variant to replace the AirPods 3, likely equipped with noise cancellation features. Consequently, both the AirPods 2 and AirPods 3 may be discontinued.

    ## iPad Mini 6 and iPad 10

    Speculation hints at a refresh for Apple’s budget-friendly iPads, including the **iPad Mini 6** and **iPad 10**. Although the iPad 10 recently experienced a price cut, it remains uncertain whether it will continue to be offered post-launch of the new models. Traditionally, Apple has not maintained older iPad units, implying that the iPad Mini 6 may also be retired in favor of a new model with improved features.

    ## Conclusion

    If you’re contemplating the purchase of any of these Apple devices, it may be prudent to wait until after the September event. With several models likely to be discontinued, now is the ideal moment to assess your choices and get ready for the thrilling new releases Apple has planned. As always, Apple is committed to innovation and refreshing its product lineup, ensuring that consumers can access the latest technology.

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