Apple Card vs Bank of America Unlimited Cash Rewards
Compare the Apple Card ($0/yr) against the Bank of America Unlimited Cash Rewards ($0/yr) to see which card earns you more rewards based on your spending.
See how the Apple Card and Bank of America Unlimited Cash Rewards stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Apple Card | Bank of America Unlimited Cash Rewards |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2.0% | 1.5% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. |
| Issuer | Goldman Sachs | Bank of America |
Quick Summary
The Apple Card has a $0 annual fee (same as Bank of America Unlimited Cash Rewards).
Apple Card has a higher base reward rate (2.0% vs 1.5%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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