The Galaxy Card Is Samsung’s Answer to the Apple Card

“Cards are basically a commodity at the end of the day; how you differentiate them is really what makes the difference," Riley says. “That's really the big deal here—how you use your card." Riley has a card for grocery shopping and one for Amazon transactions; all of these steps help him earn the most points.

“One of the big challenges here on rewards is that quite often, you go in well-intentioned and you don't get the full benefit of the rewards because you start revolving on the product,” Riley says, meaning cardmembers start accumulating interest on the unpaid balance, with interest charges wiping out the value earned by the rewards.

Riley points to one of the failings of the Apple Card: Apple oversold it. It's slick, yes, but it never became a mainstream challenger to the credit card industry because the average consumer typically has three or four cards per...

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