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Head-to-head · 🇺🇸 United States

Amex Blue Cash Preferred vs Apple Card

Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.

US
American Express
Amex Blue Cash Preferred
AMERICAN
EXPRESS
Wins 2 of 10
US
Goldman Sachs / Apple
Apple Card
Wins 3 of 10
Verdict

Apple Card wins 3-2. Apple ecosystem users — daily cashback, instant in Wallet. Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..

Side-by-side

CriterionAmex Blue Cash PreferredApple Card
Annual fee
·
$95
No annual fee
Joining fee
=
None
=
None
Top reward rate
6% (shopping)
·
3% (shopping)
Base reward rate
=
1%
=
1%
Forex markup
·
2.7%
No FX fee
Welcome bonus
=
$250 statement credit after $3,000 in 6 months
=
No welcome bonus — daily cashback model
Fee waiver threshold
=
No waiver
=
N/A (no fee)
Min income
=
—
=
—
Min credit score
·
700
660
Editorial rating
4.5/5
·
4.4/5
Apply for Amex Blue Cash Preferred Apply for Apple Card

Benefits compared

Amex Blue Cash Preferred

  • 6% cashback on US supermarkets (up to $6K/year, then 1%)
  • 6% on streaming subscriptions
  • 3% on US gas stations + transit
  • 1% on everything else
  • 0% intro APR for 12 months

Apple Card

  • 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
  • 2% Daily Cash on all Apple Pay transactions
  • 1% Daily Cash on physical-card purchases
  • No annual fee, no foreign transaction fee, no late fees
  • High-yield savings account at 4.4% APY
  • Privacy-first: no purchase data sold

FAQ

›Amex Blue Cash Preferred vs Apple Card: which is better?

Apple Card wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.

›Can I get both?

Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, Apple Card for its best categories. Just watch the combined annual fees against your spend.

›Which one has the better welcome bonus?

Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. Apple Card: No welcome bonus — daily cashback model.