Which card earns more rewards, the Blue Cash Everyday Card from American Express 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 Blue Cash Everyday Card from American Express have that the Apple Card doesn't?

The Blue Cash Everyday Card from American Express focuses on earn rates, while the Apple Card offers travel credits.

Should I get the Blue Cash Everyday Card from American Express 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.

Blue Cash Everyday Card from American Express vs Apple Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Apple Card on everyday spending.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Blue Cash Everyday Card from American Express American Express · No annual fee	Apple Card Goldman Sachs · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	As high as $200 cash back — offers vary	—
Rewards	Cash back	Cash back
Foreign transaction fee	2.7%	None Lowest
Network	American Express	Mastercard
Earn ratesPer $1 spent
Gas Stations	3% Highest	1%
Grocery Stores	3% Highest	1%
Online Shopping	3% Highest	1%
Department Stores	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
Entertainment & streaming	$7/mo Disney+ · $7 monthly	—
Perks & access— means none on record
Car rental	—	5%+ off Hertz rentals + perks
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance	Share card with family and teens Interest-free payments on Apple gear Color-coded spending insights
Protections & insuranceLimits where published · — means none on record
Rental car	Car Rental Loss and Damage Insurance	—
Purchase & returns	Up to $1,000 per item against damage or theft	Zero Liability on unauthorized transactions No fees on international purchases Biometric security on every purchase
Other protections	Zero liability protection on fraudulent charges	No late fees or penalty APR 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	No annual fee with solid category rewards 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value) Up to $84/year Disney Bundle credit for streaming subscriptions 0% intro APR for 15 months on purchases (3 months longer than Preferred) As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)	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	3% grocery rate is half of Blue Cash Preferred's 6% 2.7% foreign transaction fee makes it unsuitable for travel 3% rates on gas and online retail are capped at $6,000/year each 1% back on non-category purchases is below average $6,000 annual cap on grocery bonus limits heavy spenders	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

Blue Cash Everyday Card from American Express
American Express · No annual fee
Apple Card
Goldman Sachs · No annual fee

Overview

Annual fee: Blue Cash Everyday Card from American Express
$0
Apple Card
$0
Welcome offerCurrent public offer: Blue Cash Everyday Card from American Express
As high as $200 cash back — offers vary
Apple Card
—
Rewards: Blue Cash Everyday Card from American Express
Cash back
Apple Card
Cash back
Foreign transaction fee: Blue Cash Everyday Card from American Express
2.7%
Apple Card
None
Lowest
Network: Blue Cash Everyday Card from American Express
American Express
Apple Card
Mastercard

Earn ratesPer $1 spent

Gas Stations: Blue Cash Everyday Card from American Express
3%
Highest
Apple Card
1%
Grocery Stores: Blue Cash Everyday Card from American Express
3%
Highest
Apple Card
1%
Online Shopping: Blue Cash Everyday Card from American Express
3%
Highest
Apple Card
1%
Department Stores: Blue Cash Everyday Card from American Express
2%
Highest
Apple Card
1%
Everything else: Blue Cash Everyday Card from American Express
1%
Apple Card
1%

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

Travel: Blue Cash Everyday Card from American Express
—
Apple Card
Extra 2% Booking.com Travel Credits · $2 per transaction
Rideshare & transit: Blue Cash Everyday Card from American Express
—
Apple Card
$60 Uber One trial · $60 one-time
Entertainment & streaming: Blue Cash Everyday Card from American Express
$7/mo Disney+ · $7 monthly
Apple Card
—

Perks & access— means none on record

Car rental: Blue Cash Everyday Card from American Express
—
Apple Card
5%+ off Hertz rentals + perks
Other perks: Blue Cash Everyday Card from American Express
Amex Offers
Early access to concerts and events
24/7 global travel assistance
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

Rental car: Blue Cash Everyday Card from American Express
Car Rental Loss and Damage Insurance
Apple Card
—
Purchase & returns: Blue Cash Everyday Card from American Express
Up to $1,000 per item against damage or theft
Apple Card
Zero Liability on unauthorized transactions
No fees on international purchases
Biometric security on every purchase
Other protections: Blue Cash Everyday Card from American Express
Zero liability protection on fraudulent charges
Apple Card
No late fees or penalty APR
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Blue Cash Everyday Card from American Express
No annual fee with solid category rewards
3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
Up to $84/year Disney Bundle credit for streaming subscriptions
0% intro APR for 15 months on purchases (3 months longer than Preferred)
As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
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: Blue Cash Everyday Card from American Express
3% grocery rate is half of Blue Cash Preferred's 6%
2.7% foreign transaction fee makes it unsuitable for travel
3% rates on gas and online retail are capped at $6,000/year each
1% back on non-category purchases is below average
$6,000 annual cap on grocery bonus limits heavy spenders
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 Blue Cash Everyday Card from American Express wins in 1 of 1 categories. The Apple Card leads in 0. 3 more categories depend on booking channel or caps.

Gas Stations

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Apple Card earns 1X (1X without restrictions)

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Apple Card earns 1X (1X without restrictions)

Online Shopping

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Apple Card earns 1X (1X without restrictions)

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.

Close — depends on how much of the credits you use

Scenario	Blue Cash Everyday Card from American Express	Apple Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $162	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	Apple Card
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $522	Rewards: $480 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $515 Year one: $545	Close — depends on how much of the credits you use	Apple Card

Which Card Is Right for You?

Get the Blue Cash Everyday Card from American Express if you:

+Do most of your spending at grocery stores

The Bottom Line

Close — depends on how much of the credits you use

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Everyday Card from American Express 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 Blue Cash Everyday Card from American Express have that the Apple Card doesn't?: The Blue Cash Everyday Card from American Express focuses on earn rates, while the Apple Card offers travel credits.
Should I get the Blue Cash Everyday Card from American Express 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 Apple Card Blue Cash Everyday Card from American Express vs Blue Cash Preferred Card from American Express Blue Cash Everyday Card from American Express vs American Express Gold Card

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Apple Card — Full Review All Goldman Sachs Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express 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.