Apple Card vs Amex Blue Cash Everyday
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Apple Card wins 3-0. Apple ecosystem users — daily cashback, instant in Wallet. Amex Blue Cash Everyday is still the right call if no-fee amex with 3% supermarket — blue cash preferred minus the fee..
Side-by-side
| Criterion | Apple Card | Amex Blue Cash Everyday |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (shopping) | = 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = No welcome bonus — daily cashback model | = $200 statement credit after $2,000 spend in first 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 660 | · 670 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
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
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
FAQ
›Apple Card vs Amex Blue Cash Everyday: which is better?
Apple Card wins on more dimensions (3 vs 0). 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 Apple Card for its best categories, Amex Blue Cash Everyday for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Apple Card: No welcome bonus — daily cashback model. Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months.