With the introduction of the Apple Savings Account, Apple is now effectively paying you to borrow money from them. All you have to do is:

1. Add money to your Apple Savings account. This money will be used to pay off your Apple Card balance at the end of the month.
2. Remember to pay off your Apple Card in full every month so that you are not charged interest.

Back in my finance days, we would have called this arbitrage. Big win for us Apple customers!