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Apple Credit Card vs Amazon Prime Card
Posted on 7/15/26 at 11:39 am
Posted on 7/15/26 at 11:39 am
Does anyone have an opinion on which is better - the Apple Credit Card or the Amazon Prime card?
6
Posted on 7/15/26 at 11:48 am to samsconst
MY prime card is really just a Chase card so nothing special. no clue what apple is.
Posted on 7/15/26 at 11:59 am to samsconst
I mean they serve 2 entirely different purposes
The Prime card is for Amazon, 5-7% cash back there. Also 5% at whole foods. Gets just 2% back at restaurants and gas (not good earning rates)
The Apple card is jsut a 2% cash back catch all card (assuming you can always use apple pay); otherwise it's a 1% card and kind of irrelevant. It gets 3% back at apple if thats worth it to you.
The amazon card is through chase who occasionally gives out great offers, I got a targeted offer for the prime card where this quarter on up to $1000 of spend I get 7% back ADDITIONAL on groceries, restaurants and gas.
If you spend a lot with Amazon, the prime card is a no brainer. The apple card is pretty useless in most setups, only getting 1% when you cant use apply pay makes it as bad a card as you can get that earns rewards.
The Prime card is for Amazon, 5-7% cash back there. Also 5% at whole foods. Gets just 2% back at restaurants and gas (not good earning rates)
The Apple card is jsut a 2% cash back catch all card (assuming you can always use apple pay); otherwise it's a 1% card and kind of irrelevant. It gets 3% back at apple if thats worth it to you.
The amazon card is through chase who occasionally gives out great offers, I got a targeted offer for the prime card where this quarter on up to $1000 of spend I get 7% back ADDITIONAL on groceries, restaurants and gas.
If you spend a lot with Amazon, the prime card is a no brainer. The apple card is pretty useless in most setups, only getting 1% when you cant use apply pay makes it as bad a card as you can get that earns rewards.
This post was edited on 7/15/26 at 12:43 pm
Posted on 7/15/26 at 12:12 pm to samsconst
Why are you just considering those two? Overall, they're not that good of cards if you want to utilize points, cash back, etc.
Posted on 7/15/26 at 1:05 pm to samsconst
Need much more info:
* What expenses will you be using card for?
* How Much a Month?
* Is this only card you will be using?
Other then fore Ordering on Amazon no real reason I can see of selecting either card--much better cards out there. Esp. now tap to pay is so common.
* What expenses will you be using card for?
* How Much a Month?
* Is this only card you will be using?
Other then fore Ordering on Amazon no real reason I can see of selecting either card--much better cards out there. Esp. now tap to pay is so common.
Posted on 7/16/26 at 8:14 am to samsconst
I like the Apple Card because I also have a saving with it too. It dumps all my cash back into savings at 3.5%.
I like Amazon for the ease of refunds when they get it wrong. Plus 6% cash back at times if I choose a different delivery method.
I like Costco for the gas and shopping cash back.
Also have a Walmart card. We spend about $1200 month at Walmart with 2 boys in the house. So that helps with cash back and deals.
I like Amazon for the ease of refunds when they get it wrong. Plus 6% cash back at times if I choose a different delivery method.
I like Costco for the gas and shopping cash back.
Also have a Walmart card. We spend about $1200 month at Walmart with 2 boys in the house. So that helps with cash back and deals.
This post was edited on 7/16/26 at 8:16 am
Posted on 7/16/26 at 8:24 am to samsconst
Amazon's card is one of the absolute best no-fee cards out there. The Apple card is terrible.
This is a no-brainer.
This is a no-brainer.
Posted on 7/16/26 at 8:46 am to Carson123987
quote:
Amazon's card is one of the absolute best no-fee cards out there
Is it? I need a new no fee card and had considered this. Especially since I will use it for work and I get reimbursed for all of my purchases
Posted on 7/16/26 at 8:50 am to jmarto1
quote:
Is it? I need a new no fee card and had considered this. Especially since I will use it for work and I get reimbursed for all of my purchases
You should only be using it at amazon and whole foods. They do an occasional offer like the one i got recently for 9% back in total at restaurant/grocery/gas but thats only up to $1k in spend for the quarter.
It's a "store" card basically like any other store card. It's not an every day spend card. Advantageous to use at Amazon (or whole foods since owned by Amazon), but pretty much useless all other places like most store cards.
It's simply popular because a lot of people have amazon/prime and hard to do much better than a guaranteed 5-6% on it every purchase. They will even do 7% at times on things like prime day or big shopping deal days which is nice as well. So if you spend thousands at amazon every year, no brainer card. If you buy something once every blue moon from amazon, not a good card for you.
If you are just looking for a catch all card you want to use everyday there are dozen+ of those much better than this card that do 1.5%-3% on everything
This post was edited on 7/16/26 at 8:55 am
Posted on 7/16/26 at 9:16 am to thunderbird1100
quote:
It's a "store" card basically like any other store card.
It gets 2% back at gas stations and 2% back at restaurants. For someone who wants a no-fee card that covers most of the desirable categories (retail, gas, and dining) and doesn't want to gamify credit card usage, it's a very good option. Especially if you're like me and drop $8-10k a year on Amazon.
For other good no-fee options:
- Capital One Savor - 3% back on groceries (except Target and Walmart) and dining
- Chase Freedom Unlimited - 3% back on dining/drugstores, 1.5% on everything else
- AmEx Blue Cash Everyday - 3% back at gas stations, groceries, and online retail, 1% on everything else. If you are a heavy grocery spender with a family, paying the $95 AF for the Preferred variant is more appropriate since it gets 6% back on groceries
- Costco Visa - 5% on costco gas, 4% regular gas station, 3% restaurants, 2% Costco purchases, 1% everything else
It depends on what your main spending categories are. You can get 2 of the above and have the majority of your needs covered. Couple them with a rotating 5% category card like the Discover It and you're cooking.
I wish I could simplify my lineup but I'm in too deep. Have a dozen cards now and keep a spreadsheet on my phone to keep track of what to use and where
I get back thousands a year in cashback/rewards though so it's worth it. 
Posted on 7/16/26 at 9:48 am to thunderbird1100
I have a chase Freedom right not but gave up my Sapphire due to the annual cost and the fact I couldn't get into an airport lounge anymore. I don't mind getting an amazon card for the free points with work but what else would you recommend? I definitely need a no foreign transaction fees card but not right at this moment
This post was edited on 7/16/26 at 9:50 am
Posted on 7/16/26 at 3:43 pm to Carson123987
quote:
It gets 2% back at gas stations and 2% back at restaurants.
These are awful multipliers for those
Posted on 7/16/26 at 3:52 pm to thunderbird1100
quote:
These are awful multipliers for those
If these were standalone features for the card, sure. But 5% back at Amazon/WF plus all the little offers throughout the year propel it significantly upward.
Open up additional cards if you want optimal earn rates for every single category.
Posted on 7/17/26 at 9:05 am to Carson123987
quote:
If these were standalone features for the card, sure. But 5% back at Amazon/WF plus all the little offers throughout the year propel it significantly upward.
This is all what I said earlier, the point is it's really just a store card for the most part, and it makes sense for anyone who spends a significant amount on amazon, explained all that.
Just pointing out 2% amazon cash back for gas and dining is not a selling point nor should anyone be putting that spend on this card for that.
Gas and dining are 2 usually very large categories for a lot of people in spend and there's tons and tons of higher multiplier cards out there for both, ones that offer higher actual cash back you can cash out or even way more value from points/miles to transfer out to partners or use in portals.
In the end, this isnt a catch all card and shouldnt be treated like one, it's a store specific card for most part outside of random deals like I explained going on right now (which is for very limited spend).
This post was edited on 7/17/26 at 9:45 am
Posted on 7/17/26 at 9:36 am to thunderbird1100
quote:
These rewards even be cashed out, only redeemed for a statement credit (Which you should always do) on the card or paying for amazon purchases at checkout (should not do this).
This is not true. You can direct deposit the cashback into any bank account that's linked to your Chase account.
Posted on 7/17/26 at 9:45 am to Carson123987
Sorry you are right there, but doesnt change the overall view of the card, which is really just an amazon (or whole foods) store card in the end.
Chase is always changing up what does/doesnt cash back and such. The worst part about the amazon card is its not UR points, but I believe its the same with all their co-branded cards. We have the IHG premier one and it just gets IHG points, which makes sense I guess. All those co-branded cards would be very overpowered if they earned any UR points on top of points/miles within their existing brand....but would be 1 way to get A TON of people to sign up for them.
Chase is always changing up what does/doesnt cash back and such. The worst part about the amazon card is its not UR points, but I believe its the same with all their co-branded cards. We have the IHG premier one and it just gets IHG points, which makes sense I guess. All those co-branded cards would be very overpowered if they earned any UR points on top of points/miles within their existing brand....but would be 1 way to get A TON of people to sign up for them.
This post was edited on 7/17/26 at 9:47 am
Posted on 7/17/26 at 9:51 am to thunderbird1100
quote:
All those co-branded cards would be very overpowered if they earned any UR points on top of points/miles within their existing brand....but would be 1 way to get A TON of people to sign up for them.
Yeah if I was able to convert Amazon rewards to UR I would be Mr. Worldwide with all the partner transfers I'd be doing
Alas, they're nerfing the transfer rate on Hyatt to 4:3. Pisses me off. That was the best use of UR points for me at 1:1
Posted on 7/17/26 at 9:53 am to Carson123987
quote:
Alas, they're nerfing the transfer rate on Hyatt to 4:3. Pisses me off. That was the best use of UR points for me at 1:1
Part of the reason I got the 150k bonus on the CSR, to stay 1:1 to Hyatt.
Posted on 7/17/26 at 10:40 am to thunderbird1100
I downgraded CSR to CSP when they bumped the AF a few years ago, I may have to go back just for the 1:1
Posted on 7/17/26 at 12:36 pm to Carson123987
I loved that card but almost $1k wasnt worth it in my case
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