Imo their cash app card introduction was such a dumpster fire, I quit using their card.
I doubt their management has even considered the questions you’ve raised & their saving program will be another cumbersome user unfriendly fail
I use the Apple Card strictly for those purchases it gives 3% back on. I leave the Apple “cash” alone and let it grow like that. Now with that percentage, I’m even more enticed not to touch my cash back!