APT customers are paying on average $10 in fees in an average of $1.1K annual spend (.9% - 1%. As stated once this matures it could go to 1.5%)
CC customers are paying an average of $400 bucks (your figure, its actually closer to $330) on an annual spend of $20K - 1.6%
Theres not much difference
Unless you think if you borrowed $2 bucks from me and i charged you $5 in late fees, then that would be a good deal, because on average you would only be paying $5 in late fees compared to $330 on CCs
APT Price at posting:
$69.17 Sentiment: Sell Disclosure: Not Held