Apple Card vs Chase Freedom Flex
Compare the Apple Card ($0/yr) against the Chase Freedom Flex ($0/yr) to see which card earns you more rewards based on your spending.
See how the Apple Card and Chase Freedom Flex 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 | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2.0% | 1.0% |
| Travel Rewards | 2.0% | 5% |
| Dining Rewards | 2.0% | 3% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. |
| Issuer | Goldman Sachs | Chase |
Quick Summary
The Apple Card has a $0 annual fee (same as Chase Freedom Flex).
Apple Card has a higher base reward rate (2.0% vs 1.0%).
Which Card is Better for Your Spending?
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