Joe Rossignol, MacRumors:

Goldman Sachs has confirmed that it is working with credit bureau TransUnion to begin reporting Apple Card information, informing cardholders that they will see full details on their credit report within the next five days. This includes the date the Apple Card account is opened, credit balance, payment status, and more.

In other words, like any other credit card, the way you use your Apple Card can now have an impact on your credit score.

Apple Card slowly adds aspects of “normal” credit cards. But this is a good thing. Consider that “normal” credit cards will never be tightly integrated with macOS/iOS.

My opinion, no reason not to get one. There’s no fee, and you can simply use it for the 3% discount on whatever monthly services you get, hardware purchases you make from Apple.