Apple Card vs Discover it Cash Back
Compare the Apple Card ($0/yr) against the Discover it Cash Back ($0/yr) to see which card earns you more rewards based on your spending.
See how the Apple Card and Discover it Cash Back 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 | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2.0% | 1.0% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
| Issuer | Goldman Sachs | Discover |
Quick Summary
The Apple Card has a $0 annual fee (same as Discover it Cash Back).
Apple Card has a higher base reward rate (2.0% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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