Apple Card vs Fold
Compare the Apple Card ($0/yr) against the Fold ($0/yr) to see which card earns you more rewards based on your spending.
See how the Apple Card and Fold 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 | Fold |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2.0% | 3.5% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | Up to 3.5% bitcoin back on all purchases. |
| Issuer | Goldman Sachs | Sutton Bank |
Quick Summary
The Apple Card has a $0 annual fee (same as Fold).
Fold has a higher base reward rate (3.5% vs 2.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
Your Personalized Results
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