The Apple Card looks to me to be very much the same as the card that Google tried a few years ago. Granted, Apple’s is a Credit Card while Google’s was only a debit card, but the hurdles are similar. How do you get people to switch and why should they if they can use their existing credit card with Apple Pay? I get the desire to make money on transactions, that is a repeat of the Apple Store model that makes Apple a lot of money. However, in this instance I don’t see why I or anyone would switch.