Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Prime Visa (no annual fee) and the Apple Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Apple Card earns at least as much as Prime Visa in every category, more on groceries, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Prime Visa | Apple Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $150 after $0 spend in 1 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Dining Rewards | 2% | 2% |
| Gas Rewards | 2% | 2% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
None |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. |
Apple Card wins on travel, groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.