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 Apple Card (no annual fee) and the Bank of America® Customized Cash Rewards credit 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 Bank of America Customized in every category, more on dining, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
3% 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 NowStrongest in groceries at 2% (up to $10,000/yr). 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Apple Card | Bank of America Customized Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2% | 1% |
| Groceries Rewards | 2% | 2% (up to $10,000/yr) |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). |
Apple Card pulls ahead for travel, dining, gas spending.
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.