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 OnePay CashRewards 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 OnePay CashRewards Card in every category, more on dining, groceries, 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 Now3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Apple Card | OnePay CashRewards Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $35 after $0 spend in 1 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2% | 1.5% |
| Rates with conditions not counted in the rows above |
None |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. |
Apple Card pulls ahead for travel, dining, groceries, 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.