Head-to-head · 🇺🇸 United States
Apple Card vs Amex Blue Cash Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Goldman Sachs / Apple
Apple Card
Wins 3 of 10
US
American Express
Amex Blue Cash Preferred
AMERICAN
EXPRESS
EXPRESS
Wins 2 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
| Criterion | Apple Card | Amex Blue Cash Preferred |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 6% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = No welcome bonus — daily cashback model | = $250 statement credit after $3,000 in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 660 | · 700 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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 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
FAQ
›Apple Card vs Amex Blue Cash Preferred: 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 Apple Card for its best categories, Amex Blue Cash Preferred 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 Preferred: $250 statement credit after $3,000 in 6 months.