Honestly, it's just really convenient. The way the information is displayed and presented. For example, I had what I thought was a weird charge on the card last month. Immediately I thought I was being defrauded, however I clicked on the merchant name on the list of transactions and I noticed the same charge 2 years in a row, and it turned out to be for fantasy football thing I forgot to cancel.

Need to dispute a charge? Just click on the charge and click dispute (or something), you're taken to a Messages exchange colored gray to differentiate, where you interact with the rep. No phone call necessary.

Is that difficult for other card providers to implement? Nope. Do they make it as simple as Apple does to see your information? Nope If you have the Health app, using an Apple Card is kinda like that in the wallet app. Tons of your own information readily available and presented well.

The cash back is 2% anywhere when you use Apple Pay. That’s pretty much the gold standard. Additionally, you get the cash back almost immediately. No points system is good in my opinion.