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Apple Card vs. Amazon Prime Rewards View: Which Credit Card is Best for You in 2019?



The Apple card has been out for months now and is available to everyone in the United States . The new card can be used in places that accept Apple Pay via iPhones ($ 999 at Amazon) and is designed to live in the Apple Wallet app. But there is also a physical titanium card that you can swipe anywhere, just like a normal credit card .

Another popular card for tech savvy customers and consumers, which has already been around in the US for a while, is Amazon Prime Rewards Visa Signature Card a partnership with Chase bank.

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

Apple Card

  • Cashback Credit Card Rewards: Apple Card offers refunds that can be used anywhere, anytime. Use the money back to pay for food, pay a friend or pay your credit card. Cashback is automatically delivered to your Apple Cash balance or to the card as a credit balance.
  • Where to earn: Earn 3% cash back on everything from Apple stores (namely an Apple Store, apple.com, App Store or iTunes), including games, in-app purchases, and services such as your Apple Music subscription and iCloud storage plan. Get 2% cash back at other stores with Apple Pay (with the virtual card on your phone) and 1
    % cash back at stores that do not accept Apple Pay (with the physical card). There are no service options available, but your credit limit can maximize the amount you earn.
  • No Charges: There are no fees for a missed payment or annual fee for the card holder with the Apple Card, and there are no transaction fees However, you will still be charged interest in addition to what you are already owed.
  • Annual percentages: Speaking of interest, Apple's APR interest rates range from 13.24% to 24.24% interest on purchases, based on credit points.
  • Security Features: The Apple card does not have a credit card number on the physical card. There is a virtual card number in the Wallet app when you use the card with Apple Pay. You can also see the localized location and business where a purchase was made.
  • Other features: The Apple card is paired with the Wallet app, which looks like a budgeting app. Spending summaries are available to show how much you've spent in each category. Purchases are color-coded based on the type of items you buy, such as food or clothing.
  • Payment: See how to save on interest before paying. Apple Card calculates how much interest you pay, based on your payment amount.
  • Wallet app (and iPhone) required for registration: The Wallet app is exclusive to Apple's own iOS devices, so if you do not have an iPhone (or iPad) and you cannot register to use the. 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 Amazon Prime Rewards Visa Card, you earn rewards with points redeemable for a future Amazon.com purchase (or through Chase) – 100 points equal to $ 1 earned. You also earn a percentage of cash back on your purchases. There is no cap on what you can earn. In addition, once you have been approved for the card, you will receive a $ 70 Amazon gift card. You can see your rewards balance on the cash screen when you make a purchase.
  • Where can I earn: Earn 5% back on purchases at Amazon and Whole Foods, 2% back on restaurants, gas stations and pharmacies and 1% back on all other purchases. Many retailers now have an Amazon store to sell their goods, so always check Amazon before making a purchase so you can get 5% back.
  • Fees: There is no annual or foreign transaction fee, but there are late fees for late payments of up to $ 38 plus interest.
  • Annual percentage: Amazon's APR ranges from 16.49% to 24.49%, based on credit points.
  • Card Options: Amazon offers two Visa cards. One is the Prime version, which requires you to have an Amazon Prime account. The other is Amazon Rewards Visa Card and offers 3% back on Amazon and Whole Foods, rather than 5%. For this card, no Prime membership is needed.
  • Premium Benefits: Use the card for room upgrades and VIP guest status at luxury hotels. Amazon Visa also offers free concierge service to find tickets for top events or arrange dinner reservations.
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Amazon Rewards Visa Cards offer excellent, um, rewards.


Screenshot by Katie Conner / CNET

Which is better for you?

Aside from the benefits such as financial tracking, integrity without physical number on the card and deep integration with Apple Wallet, the biggest differences between the two boil down to reward credit (like money) or cash back) and usage.

If you buy a lot of stuff from Amazon, that card is probably a better option. The fact that its rewards are Amazon points and cashback is great if you buy enough from the online merchant.

On the other hand, if you shop primarily at other online and physical retailers that accept Apple Pay, the Apple Card's 2% cash back is great. It is also a good choice if you sometimes make a late payment.

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

The Apple card seems to have some advantages over its competitors and can be a valuable addition to (virtual) wallets by savvy shoppers.


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