Which card earns more rewards, the Apple Card or Chase Freedom Flex?

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 Apple Card have that the Chase Freedom Flex doesn't?

The Apple Card offers travel credits. The Chase Freedom Flex offers dining credits.

Should I get the Apple Card or the Chase Freedom Flex?

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

Apple Card vs Chase Freedom Flex

Both cards cost $0/yr. The Apple Card leads on everyday spending; the Chase Freedom Flex on rotating quarterly.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Apple Card Goldman Sachs · No annual fee	Chase Freedom Flex Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	—	$250 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None	None
Network	Mastercard	Mastercard World Elite
Earn ratesPer $1 spent
Rotating Quarterly	1%	5% Highest
Dining	1%	3% Highest
Drugstores	1%	3% Highest
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	—
Dining & delivery	—	DoorDash DashPass DoorDash DashPass · $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	No foreign transaction fees on purchases worldwide 24/7 roadside assistance for towing and emergencies 24/7 travel assistance anywhere in the world
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Up to $6,000 trip cancellation and interruption coverage
Rental car	—	Secondary rental coverage when you skip the counter option
Purchase & returns	Zero Liability on unauthorized transactions No fees on international purchases Biometric security on every purchase	24/7 fraud monitoring Credit Journey Up to $500 protection for damaged or stolen purchases
Extended warranty	—	Add an extra year to manufacturer warranties
Other protections	No late fees or penalty APR 24/7 lost/stolen card assistance worldwide	24/7 lost/stolen card assistance worldwide
Pros & cons
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	5% on rotating categories up to $1,500/quarter when activated 3% on dining and drugstores with no annual cap 5X on Chase Travel portal purchases $0 annual fee with Mastercard World Elite benefits No foreign transaction fees (new for 2026)
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	Must activate quarterly categories or miss 5% bonus $1,500 quarterly cap on 5% categories ($300 max bonus/quarter) Points worth only 1 cent without Sapphire card pairing Welcome bonus lower than Sapphire cards
	Card details	Card details

Apple Card
Goldman Sachs · No annual fee
Chase Freedom Flex
Chase · No annual fee

Overview

Annual fee: Apple Card
$0
Chase Freedom Flex
$0
Welcome offerCurrent public offer: Apple Card
—
Chase Freedom Flex
$250 cash back
Rewards: Apple Card
Cash back
Chase Freedom Flex
Cash back
Foreign transaction fee: Apple Card
None
Chase Freedom Flex
None
Network: Apple Card
Mastercard
Chase Freedom Flex
Mastercard World Elite

Earn ratesPer $1 spent

Rotating Quarterly: Apple Card
1%
Chase Freedom Flex
5%
Highest
Dining: Apple Card
1%
Chase Freedom Flex
3%
Highest
Drugstores: Apple Card
1%
Chase Freedom Flex
3%
Highest
Everything else: Apple Card
1%
Chase Freedom Flex
1%

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

Travel: Apple Card
Extra 2% Booking.com Travel Credits · $2 per transaction
Chase Freedom Flex
—
Rideshare & transit: Apple Card
$60 Uber One trial · $60 one-time
Chase Freedom Flex
—
Dining & delivery: Apple Card
—
Chase Freedom Flex
DoorDash DashPass
DoorDash DashPass · $60 one-time

Perks & access— means none on record

Car rental: Apple Card
5%+ off Hertz rentals + perks
Chase Freedom Flex
—
Other perks: Apple Card
Share card with family and teens
Interest-free payments on Apple gear
Color-coded spending insights
Chase Freedom Flex
No foreign transaction fees on purchases worldwide
24/7 roadside assistance for towing and emergencies
24/7 travel assistance anywhere in the world

Protections & insuranceLimits where published · — means none on record

Trip insurance: Apple Card
—
Chase Freedom Flex
Up to $6,000 trip cancellation and interruption coverage
Rental car: Apple Card
—
Chase Freedom Flex
Secondary rental coverage when you skip the counter option
Purchase & returns: Apple Card
Zero Liability on unauthorized transactions
No fees on international purchases
Biometric security on every purchase
Chase Freedom Flex
24/7 fraud monitoring
Credit Journey
Up to $500 protection for damaged or stolen purchases
Extended warranty: Apple Card
—
Chase Freedom Flex
Add an extra year to manufacturer warranties
Other protections: Apple Card
No late fees or penalty APR
24/7 lost/stolen card assistance worldwide
Chase Freedom Flex
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: 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
Chase Freedom Flex
5% on rotating categories up to $1,500/quarter when activated
3% on dining and drugstores with no annual cap
5X on Chase Travel portal purchases
$0 annual fee with Mastercard World Elite benefits
No foreign transaction fees (new for 2026)
Cons: 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
Chase Freedom Flex
Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
Points worth only 1 cent without Sapphire card pairing
Welcome bonus lower than Sapphire cards

Card details

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

Category-by-Category Winner

The Chase Freedom Flex wins in 2 of 2 categories. The Apple Card leads in 0. 2 more categories depend on booking channel or caps.

Rotating Quarterly

Depends: up to $1,500/quarter; Must activate each quarter before deadline

Chase Freedom Flex earns 5X when conditions are met; Apple Card earns 1X (1X without restrictions)

Travel

Depends: via issuer travel portal

Chase Freedom Flex earns 5X when conditions are met; Apple Card earns 1X (1X without restrictions)

Dining

Chase Freedom Flex earns 3X vs 1X

Drugstores

Chase Freedom Flex earns 3X 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.

Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Apple Card	Chase Freedom Flex	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $155 Year one: $185	Rewards: $281 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $301 Year one: $581	Chase Freedom Flex	Chase Freedom Flex
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $515 Year one: $545	Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,423	Chase Freedom Flex	Chase Freedom Flex

Which Card Is Right for You?

Get the Chase Freedom Flex if you:

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

The Bottom Line

Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Apple Card or Chase Freedom Flex?: 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 Apple Card have that the Chase Freedom Flex doesn't?: The Apple Card offers travel credits. The Chase Freedom Flex offers dining credits.
Should I get the Apple Card or the Chase Freedom Flex?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Goldman Sachs cards · Chase 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.