Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

Cons

• −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

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

Cons

• −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

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

Cons

• −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

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides