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 Target™ Mastercard® (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 Target Mastercard in every category, more on groceries, 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 NowStrongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Apple Card | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2% | 1% |
| Dining Rewards | 2% | 2% |
| Gas Rewards | 2% | 2% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
Apple Card pulls ahead for travel, groceries 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.