The issue is CC is that most people are irresponsible with spend, and don't bother to pay by the due date... APT makes it simple to keep track of repayments via the app and website - also the connotation around CC and personal debt isn't favorable.
I personally love my amex, free money for 55 days and a shit load of points
APT Price at posting:
$15.33 Sentiment: None Disclosure: Held