The Apple Wallet card design is actually pretty nice
I signed up when I saw the collaboration card, and it's a good chance to rack up some Bilt points while Rakuten still offers them, so I can earn a bit more before the year ends. But there's no need to sign up if you don't spend much
The packaging has a bit of design flair
The metallic finish on the card looks decent, but it's extremely thin and light—it's not a metal card, just a metal-look skin
If you care about how it feels in hand, there's no need for it




If your main reason for getting the card is the design and the co-branded perks, it's worth running the numbers first—annual fee, rewards structure, and your actual monthly spending—before deciding whether to keep it long term. Chasing the sign-up bonus and holding a card long term are two different things, so think through how you'll handle year two before you apply.