Head-to-head · 🇺🇸 United States
Chase Sapphire Preferred vs Apple Card
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
Chase
Chase Sapphire Preferred
VISA
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 Sapphire Preferred | Apple Card |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = No welcome bonus — daily cashback model |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 660 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
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 Sapphire Preferred vs Apple Card: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Sapphire Preferred 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 Sapphire 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?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). Apple Card: No welcome bonus — daily cashback model.