Head-to-head · 🇺🇸 United States
Apple Card vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Goldman Sachs / Apple
Apple Card
Wins 2 of 10
US
US Bank
US Bank Cash+
VISA
Wins 1 of 10
Verdict
Apple Card wins 2-1. Apple ecosystem users — daily cashback, instant in Wallet. US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen — fully customizable..
Side-by-side
| Criterion | Apple Card | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = No welcome bonus — daily cashback model | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 660 | · 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Apple Card vs US Bank Cash+: which is better?
Apple Card wins on more dimensions (2 vs 1). 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, US Bank Cash+ 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. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.