# Apple's Upgrade Program May Make Its Credit Card Obsolete

- Topic: tech
- Source: Video published by 9to5Mac
- Published: 2026-08-10
- Original: https://www.youtube.com/watch?v=Tj6sK5lftRY
- Language: en

Apple's recent introduction of the Apple Upgrade Program has sparked a debate about its impact on the Apple Card. The program allows users to lease Apple products with lower monthly payments and still receive 3% daily cash back. While the Apple Card offers 0% financing for 6, 12, or 24 months, the upgrade program provides a more digestible monthly payment option. Users can lease products for up to 36 months, making it a more attractive option for business expenses. However, critics argue that the program may lead to a debt cycle and trap users in a lease agreement.

## Key takeaways

- Apple Upgrade Program offers lower monthly payments compared to Apple Card financing
- Users can lease products for up to 36 months, making it suitable for business expenses
- The program still provides 3% daily cash back, making it an attractive option for Apple Card users
- Critics argue that the program may lead to a debt cycle and trap users in a lease agreement

> Summary by Daily Read Bytes. Read the original at https://www.youtube.com/watch?v=Tj6sK5lftRY