Apple Card vs Amex Blue Cash Preferred: Which credit card should you get?

Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. iMore may receive a commission from The Points Guy Affiliate Network. Please note that the offers mentioned below are subject to change at any time and some may no longer be available.

Apple Card, in true Apple form, is going to be one of the easiest to use credit cards on the market. With its simple Daily Cash rewards program and it's helpful card and money management tools, its a card that anyone can pick up and understand. That said, the Blue Cash Preferred® Card from American Express can't be beaten when it comes to overall rewards. Deciding which one is for you comes down to what is most important to you: rewards or benefits.

Apple Card will appeal to both new and seasoned cardholders

Apple Card is trying to revolutionize the credit card industry with a credit card built to help you live a healthier financial life. It's no secret that credit card debt continues to grow year after year, and Apple is hoping that their card has the money management tools to help reverse current trends. With its daily cash back program, Daily Cash, you get your rewards deposited the day after purchase into your Apple Pay Cash card which you can then use to send friends money, transfer to your bank, or even pay your bill.

Apple has built a ton of helpful money management tools into the Wallet app for Apple Card. Apple will automatically track your spending and sort it into categories and group them by the merchant. It displays all of this information to you in beautiful, easy to understand summaries to educate you on your spending habits and promote better financial decisions. It even shows you in real time how much interest you'll be charged if you don't pay the full amount due on the card, and encourage you to increase the payment, showing you the effect it will have in lowering your interest charged.

Apple is also going all in on privacy with Apple Card. This card is a first in the industry and a welcome one. Apple will never know how much you spend, where you spend it, or what you spend it on. Its partner on the card, Goldman Sachs, has also promised not to share any of your information with marketers or advertisers. In a world that continually believes we have less privacy and more of our information is being collected and shared, this is a huge deal with enormous ramifications on an industry that is known for rampant data collection.

Swipe to scroll horizontally
Header Cell - Column 0 Apple CardBlue Cash Preferred® Card from American Express
Rewards3% cash back on purchases at Apple6% cash back on U.S. Supermarkets on up to $6,000 a year in purchases and streaming services
Row 1 - Cell 0 2% cash back when using Apple Pay3% cash back on U.S. gas stations and transit
Row 2 - Cell 0 1% on all other purchases1% on all other purchases
Welcome bonusNone$250 statement credit after spending $1,000 in the first 3 months
FeesNone$95 annual fee
Interest Rate13.24% to 24.24% APR15.24%-26.24% APR

Blue Cash Preferred® Card from American Express is the everyday leader

While Apple Card will be a great card for most people, those who are looking to take their rewards to the next level will be much better served with the Blue Cash Preferred® Card from American Express. It's a credit card built for earning as much as possible off your everyday purchases and backs it up with an impressive welcome bonus and tons of rewards categories.

New cardholders can earn a $250 statement credit after spending $1,000 in purchases within the first 3 months. With its 6% cash back on U.S. Supermarkets and streaming services and 3% cash back on U.S. gas stations and transit, the Amex basically triples the amount of money you can earn on groceries and gas when compared to Apple Card. These rewards, however, do come with a price. The card does charge foreign transaction fees and also charges a $95 annual fee.

Which one should you get?

If you are looking for a card that has a simple cash back rewards program, helps you manage and build better spending habits, and protects your private information, then Apple Card is for you. However, if you are just looking to push the limits of earning cash back and maximize what you get back from your everyday spending, then the Blue Cash Preferred® Card from American Express is a fantastic option.

Joe Wituschek

Joe Wituschek is a Contributor at iMore. With over ten years in the technology industry, one of them being at Apple, Joe now covers the company for the website. In addition to covering breaking news, Joe also writes editorials and reviews for a range of products. He fell in love with Apple products when he got an iPod nano for Christmas almost twenty years ago. Despite being considered a "heavy" user, he has always preferred the consumer-focused products like the MacBook Air, iPad mini, and iPhone 13 mini. He will fight to the death to keep a mini iPhone in the lineup. In his free time, Joe enjoys video games, movies, photography, running, and basically everything outdoors.