Head-to-head · 🇺🇸 United States
Chase Freedom Flex vs Apple Card
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Chase
Chase Freedom Flex
Wins 2 of 10
US
Goldman Sachs / Apple
Apple Card
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Freedom Flex | Apple Card |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 spend in first 3 months | = No welcome bonus — daily cashback model |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 670 | 660 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Freedom Flex
- 5% rotating quarterly bonus categories (up to $1,500/quarter)
- 5% on travel via Chase Ultimate Rewards
- 3% on dining + drugstores
- 1% on everything else
- No annual fee
- 0% intro APR for 15 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
›Chase Freedom Flex vs Apple Card: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Freedom Flex wins on 2 criteria, Apple Card on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Flex 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?
Chase Freedom Flex: $200 cashback after $500 spend in first 3 months. Apple Card: No welcome bonus — daily cashback model.