Apple Card vs Chase Sapphire Preferred Card
Annual fees: Apple Card $0/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Apple Card on everyday spending, Chase Sapphire Preferred Card on travel.
Card data as of October 12, 2026.
Apple CardGoldman Sachs · No annual fee
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Apple Card$0LowestChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Apple Card—Chase Sapphire Preferred Card75,000 points
- Rewards
- Apple CardCash backChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Apple CardNoneChase Sapphire Preferred CardNone
- Network
- Apple CardMastercardChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Apple Card1%Chase Sapphire Preferred Card3x
- Electric Vehicle Charging
- Apple Card1%Chase Sapphire Preferred Card3x
- Gas Stations
- Apple Card1%Chase Sapphire Preferred Card3x
- Grocery Stores
- Apple Card1%Chase Sapphire Preferred Card3x
- Streaming
- Apple Card1%Chase Sapphire Preferred Card3x
- Vacation Rentals
- Apple Card1%Chase Sapphire Preferred Card3x
- Travel
- Apple Card1%Chase Sapphire Preferred Card2x
- Everything else
- Apple Card1%Chase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Apple Card
- Extra 2% Booking.com Travel Credits · $2 per transaction
Chase Sapphire Preferred Card- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Rideshare & transit
- Apple Card
- $60 Uber One trial · $60 one-time
Chase Sapphire Preferred Card— - Entertainment & streaming
- Apple Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Car rental
- Apple Card
- 5%+ off Hertz rentals + perks
Chase Sapphire Preferred Card— - Other perks
- Apple Card
- Share card with family and teens
- Interest-free payments on Apple gear
- Color-coded spending insights
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Apple Card—Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Apple Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Apple Card—Chase Sapphire Preferred Card
- Auto Rental Coverage
- Purchase & returns
- Apple Card
- Zero Liability on unauthorized transactions
- No fees on international purchases
- Biometric security on every purchase
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Apple Card—Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
- Other protections
- Apple Card
- No late fees or penalty APR
- 24/7 lost/stolen card assistance worldwide
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
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 Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- 1:1 transfer to 14 airline and hotel partners including Hyatt
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- 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 Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 6 of 6 categories. The Apple Card leads in 0. 1 more category depend on booking channel or caps.
Travel
Chase Sapphire Preferred Card earns 5X vs 1X
5X via Chase Travel portal
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card 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.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Apple Card | Chase Sapphire Preferred Card | 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: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $515 Year one: $545 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Apple Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
Which Card Is Right for You?
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Apple Card $0/yr, Chase Sapphire Preferred Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Preferred Card worth the higher annual fee?
- The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Apple Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Apple Card or Chase Sapphire Preferred 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 Apple Card have that the Chase Sapphire Preferred Card doesn't?
- The Apple Card offers travel credits. The Chase Sapphire Preferred Card focuses more on earn rates than premium perks.
- Should I get the Apple Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Apple Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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.