Which card earns more rewards, the Prime Visa or Apple Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Prime Visa have that the Apple Card doesn't?

The Prime Visa focuses on earn rates, while the Apple Card offers travel credits.

Should I get the Prime Visa or the Apple Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Prime Visa vs Apple Card

Both cards cost $0/yr. The Prime Visa leads on gas stations; the Apple Card on everyday spending.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Prime Visa Chase · No annual fee	Apple Card Goldman Sachs · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$150 gift card	—
Rewards	Cash back	Cash back
Foreign transaction fee	None	None
Network	Visa Signature	Mastercard
Earn ratesPer $1 spent
Dining	2% Highest	1%
Gas Stations	2% Highest	1%
Transit	2% Highest	1%
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Travel	—	Extra 2% Booking.com Travel Credits · $2 per transaction
Rideshare & transit	—	$60 Uber One trial · $60 one-time
Perks & access— means none on record
Car rental	—	5%+ off Hertz rentals + perks
Other perks	—	Share card with family and teens Interest-free payments on Apple gear Color-coded spending insights
Protections & insuranceLimits where published · — means none on record
Trip insurance	Up to $500,000 travel accident coverage	—
Purchase & returns	$500 per claim on damage or theft	Zero Liability on unauthorized transactions No fees on international purchases Biometric security on every purchase
Other protections	—	No late fees or penalty APR 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership 5% back on Chase Travel portal bookings with no cap 2% back at restaurants, gas stations, and transit - solid everyday categories $150 Amazon Gift Card welcome bonus with no minimum spend required No annual fee on the card itself (Prime membership separate)	No annual fee, no late fees, and no penalty APR Daily Cash deposited immediately rather than monthly 3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.) 2% back on all Apple Pay purchases No foreign transaction fees
Cons	Requires an eligible Amazon Prime membership to earn 5% (3% without Prime) Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels Only 1% back on non-category purchases - below average for catch-all spending No premium travel protections like trip delay insurance or lounge access Sign-up bonus is gift card, not flexible cash or points	Only 1% back when using physical card (non-Apple Pay) Requires iPhone to apply and manage the card No sign-up bonus No travel-related benefits or protections Limited 3% merchant list compared to category cards
	Card details	Card details

Prime Visa
Chase · No annual fee
Apple Card
Goldman Sachs · No annual fee

Overview

Annual fee: Prime Visa
$0
Apple Card
$0
Welcome offerCurrent public offer: Prime Visa
$150 gift card
Apple Card
—
Rewards: Prime Visa
Cash back
Apple Card
Cash back
Foreign transaction fee: Prime Visa
None
Apple Card
None
Network: Prime Visa
Visa Signature
Apple Card
Mastercard

Earn ratesPer $1 spent

Dining: Prime Visa
2%
Highest
Apple Card
1%
Gas Stations: Prime Visa
2%
Highest
Apple Card
1%
Transit: Prime Visa
2%
Highest
Apple Card
1%
Everything else: Prime Visa
1%
Apple Card
1%

Statement creditsAs the issuer states them · — means none on record

Travel: Prime Visa
—
Apple Card
Extra 2% Booking.com Travel Credits · $2 per transaction
Rideshare & transit: Prime Visa
—
Apple Card
$60 Uber One trial · $60 one-time

Perks & access— means none on record

Car rental: Prime Visa
—
Apple Card
5%+ off Hertz rentals + perks
Other perks: Prime Visa
—
Apple Card
Share card with family and teens
Interest-free payments on Apple gear
Color-coded spending insights

Protections & insuranceLimits where published · — means none on record

Trip insurance: Prime Visa
Up to $500,000 travel accident coverage
Apple Card
—
Purchase & returns: Prime Visa
$500 per claim on damage or theft
Apple Card
Zero Liability on unauthorized transactions
No fees on international purchases
Biometric security on every purchase
Other protections: Prime Visa
—
Apple Card
No late fees or penalty APR
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Prime Visa
5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
5% back on Chase Travel portal bookings with no cap
2% back at restaurants, gas stations, and transit - solid everyday categories
$150 Amazon Gift Card welcome bonus with no minimum spend required
No annual fee on the card itself (Prime membership separate)
Apple Card
No annual fee, no late fees, and no penalty APR
Daily Cash deposited immediately rather than monthly
3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
2% back on all Apple Pay purchases
No foreign transaction fees
Cons: Prime Visa
Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
Only 1% back on non-category purchases - below average for catch-all spending
No premium travel protections like trip delay insurance or lounge access
Sign-up bonus is gift card, not flexible cash or points
Apple Card
Only 1% back when using physical card (non-Apple Pay)
Requires iPhone to apply and manage the card
No sign-up bonus
No travel-related benefits or protections
Limited 3% merchant list compared to category cards

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Prime Visa wins in 3 of 3 categories. The Apple Card leads in 0.

Gas Stations

Prime Visa earns 2X vs 1X

Transit

Prime Visa earns 2X vs 1X

Dining

Prime Visa earns 2X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	Prime Visa	Apple Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300	Rewards: $120 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $155 Year one: $185	Close — depends on how much of the credits you use	Prime Visa
Heavy spender: $4,000/month	Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750	Rewards: $480 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $515 Year one: $545	Prime Visa	Prime Visa

Which Card Is Right for You?

Get the Prime Visa if you:

+Spend $300+/month on restaurants and dining out

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Frequently Asked Questions

Which card earns more rewards, the Prime Visa or Apple Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Prime Visa have that the Apple Card doesn't?: The Prime Visa focuses on earn rates, while the Apple Card offers travel credits.
Should I get the Prime Visa or the Apple Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Prime Visa vs Blue Cash Everyday Card from American Express Prime Visa vs Blue Cash Preferred Card from American Express Prime Visa vs American Express Gold Card Prime Visa vs The Platinum Card from American Express

Explore More

Prime Visa — Full Review All Chase Cards

Apple Card — Full Review All Goldman Sachs Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Goldman Sachs cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.