The Apple Card is a good choice for those heavily invested in the Apple ecosystem, while the Amazon Prime Rewards Visa Signature Card is better for frequent Amazon shoppers who also want travel and purchase protections. The Amazon Prime card also requires an Amazon Prime membership, which adds to the overall cost.
| Attribute | Apple Card (Goldman Sachs) | Amazon Prime Rewards Visa Signature Card |
|---|---|---|
| Annual Percentage Rate (APR) | Variable APRs range from 18.24% to 28.49% based on creditworthiness. For cardholders who accepted an Apple Card on or after August 1, 2024, variable APRs range from 19.24% to 29.49%. | Variable, 19.49% to 29.24% based on creditworthiness; 29.99% for cash advances |
| Credit Score Needed | Approved applicants generally have a FICO Score 9 of 660 or higher. A score of 700 or above increases your approval odds. Having a score below 600 can make approval challenging. | Good to excellent (670 or higher, some sources suggest 700 or higher) |
| Annual Fee | $0 | No annual fee for the card itself, but requires Amazon Prime membership |
| Rewards Program | 3% Daily Cash on Apple purchases (including Apple Store, online, iTunes, App Store, and services) when using Apple Card with Apple Pay. 3% Daily Cash at select merchants like Nike, Walgreens, Duane Reade, T-Mobile, Uber, Uber Eats, Exxon and Mobil gas stations, Ace Hardware, Booking.com, and ChargePoint when using Apple Card with Apple Pay. 2% Daily Cash every time you pay with Apple Card using Apple Pay. 1% Daily Cash on all other purchases where Apple Pay isn't accepted and made using the physical card. | 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel; 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); 1% back on all other purchases; Eligible Prime cardholders can earn 10% back or more on select items and categories on Amazon.com |
| Sign-up Bonus | Apple sometimes offers sign-up bonuses for new users. For a limited time, new Apple Card users could receive $150 in cash back after spending over $150 on Nike purchases in the first 30 days of account opening. In another promotion, Apple offered new users who registered for the Apple Card by September 3rd a $300 bonus, provided they spent at least $1500 within 60 days of registering. | $150 or $200 Amazon Gift Card upon approval |
| Foreign Transaction Fee | $0 | None |
| Purchase Protection | Not specified in the provided documents. | Covers damage or theft for 120 days, up to $500 per claim and $50,000 per account |
| Extended Warranty Protection | Not specified in the provided documents. | Extends original U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less |
| Introductory APR Period | Apple Card offers 0% financing on Apple product purchases with Apple Card Monthly Installments (ACMI). | None |
| Cashback Rate on Purchases | See "Rewards Program." | 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel; 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare); 1% back on all other purchases; Eligible Prime cardholders can earn 10% back or more on select items and categories on Amazon.com |
| Travel Insurance | Not specified in the provided documents. | Travel accident insurance, lost luggage reimbursement, and baggage delay insurance |
| Balance Transfer Fee | This card does not offer balance transfers. | Either $5 or 5% of the amount of each transfer, whichever is greater |