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Apple Card vs. Amazon Prime Rewards Visa: Which credit card is best for you in 2019?



The Apple Card has been available for several months now and is available to everyone in the US . The new card can be used in places that accept Apple Pay through iPhones ($ 999 with Amazon) and is designed to live in the Apple Wallet app. But there is also a physical titanium card that you can wipe anywhere, just like a normal credit card .

Another popular card for technically educated shoppers and consumers, which has been on the market in the US for a while, is the Amazon Prime Rewards Visa signature card a collaboration with Chase bank.

Apple and Amazon are two of the biggest names in technology, and now each has its name on a credit card. So which is the best? Let's look at the Apple Card versus Amazon card.

Apple Card

  • Cashback credit card rewards: The Apple Card offers money back that can be used anywhere, anytime. Use the money back to pay for groceries, pay a friend or pay your credit card. The cash refund is automatically sent to your Apple Cash balance or to the card as a credit balance.
  • Where to earn: Earn 3% money back on everything from Apple stores (namely, an Apple Store, apple.com, the App Store or iTunes), including games, in-app purchases, and services such as your Apple Music subscription and iCloud storage. Receive 2% money back in other stores using Apple Pay (using the virtual card on your phone) and 1
    % money back in stores that do not accept Apple Pay (using the physical card). There are no earning limits, but your credit limit can be no more than the amount you earn.
  • No costs: There are no costs for a missed payment or an annual fee for cardholders with the Apple Card, and there are no transaction costs. However, you still pay interest on top of what you already owe.
  • Annual Percentage Rates: Speaking of interest, Apple's APR rates range from 13.24% to 24.24% interest on purchases based on the credit score.
  • Security features: The Apple Card has no credit card number on the physical card. There is a virtual card number in the Wallet app for when you use the card with Apple Pay. You can also see the location and the company where you made a purchase.
  • Other functions: The Apple Card is linked to the Wallet app, which looks like a budgeting app. Summaries of expenses are available to show how much you have spent in each category. Purchases have a color code based on the type of things you buy, such as food or clothing.
  • Payment: See how you can save interest before you make a payment. Apple Card estimates the amount of interest you pay based on your payment amount.
  • Wallet app (and iPhone) required for registration: The Wallet app is exclusive to Apple & # 39; s own iOS devices, so if you do not have an iPhone (or iPad), you cannot log in to use it. Sorry, Android fans.

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The Apple Card has no card number.


Screenshot by Katie Conner / CNET

Amazon Prime Rewards Visa card

  • Rewards: With the Amazon Prime Rewards Visa card you earn rewards with points that can be redeemed for a future purchase from Amazon.com (or via Chase) – 100 points corresponds to $ 1 earned. You also earn back a percentage of your purchases. There is no limit on what you can earn. You will also receive a $ 70 Amazon gift card if you are approved for the card. You can see the balance of your rewards on the payment screen when you make a purchase.
  • Where to earn: Earn 5% back on purchases at Amazon and Whole Foods, 2% back on restaurants, gas stations and drug stores, and 1% back on all other purchases. Many retailers now have an Amazon store to sell their items, so always check Amazon before you make a purchase so that you can get 5% back.
  • Costs: There are no annual fees or foreign transaction fees, but there are late fees for late payments up to $ 38 plus interest.
  • Annual percentage: The APR from Amazon ranges from 16.49% to 24.49%, based on the credit score.
  • Card Options: Amazon offers two Visa cards. One is the Prime version, for which you must have an Amazon Prime account. The other is the Amazon Rewards Visa card and offers 3% back at Amazon and Whole Foods, instead of 5%. A Prime membership account is not required for this card.
  • Premium benefits: Use the card for room upgrades and VIP guest status at luxury hotels. The Amazon Visa also offers a free concierge service for finding tickets to top events or arranging dinner reservations.
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Amazon Rewards Visa cards offer excellent, um, rewards.


Screenshot by Katie Conner / CNET

Which is better for you?

Apart from the benefits such as financial tracking, the privacy of no physical number on the card and deep integration with Apple Wallet, the main differences between the two amount to rewards credit (such as money) or money back) and use.

If you buy a lot of things from Amazon, that card is probably a better bet. The fact that the rewards are Amazon points and is great if you buy enough at the online store.

On the other hand, if you mainly shop at other online and physical stores that accept Apple Pay, the 2% cashback from the Apple Card is great. It is also a solid choice if you are likely to pay late sometimes.

It is worth noting that since the 3% cashback from the Apple Card is limited to Apple's own stores, you might get a better deal if you buy something on sale at another store (such as Amazon or Walmart). The hardware prices in Apple's own stores are often higher than at other retailers.

The Apple Card appears to have a number of advantages over its competitors and can be a valuable addition to the (virtual) portfolios of smart shoppers.


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