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Home / Tips and Tricks / Apple Card Vs. Amazon Prime Rewards Visa: Which Credit Card is Best for You in 2019?

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



Apple begins sending invitations to others to sign up for its new Apple credit card. The new Apple Card will be released this month. If you are on the notification list, you can register for as soon as you receive your invitation . The new card can be used in locations where Apple Pay is accepted through iPhones ($ 1,000 on Amazon) and is intended for use in the Apple Wallet app. But there is also a physical card that you can go anywhere, just like a regular credit card .

Another popular card for tech savvy shoppers and consumers who are already on the market in the US is the Amazon Prime Rewards Visa Signature Card, a partnership with Chase Bank.

Apple and Amazon are two of the biggest names in technology, and now every name is on a credit card. Which is the best? Let's take a look.

Apple Card

  • Cashback Credit Rewards: The Apple Card offers cashback that can be used anywhere, anytime. Use Cashback to pay for purchases, pay a friend, or pay for your credit card. The Cash Back will automatically be credited to your Apple Cash Balance or Card as credit.
  • Earnings: Get 3% cash back for everything available in Apple stores (Apple Store, apple.com, App Store, or iTunes), including games, in-app purchases, and services like Apple Music subscription and iCloud storage plan. Earn 2% cashback in other stores with Apple Pay (with the virtual card on your phone) and 1
    % cashback in stores that do not accept Apple Pay (with the physical card). There are no profit restrictions, but your credit limit can maximize the amount you earn.
  • No Charges: There are no fees for a missed payment or annual fee with an Apple Card and there are no transaction fees. In addition to what you owe, interest will still be charged.
  • Annual Percentages: Speaking of interest rates on Apple's annual interest rate range from 13.24 to 24.24% interest on purchases, based on the credit score.
  • Security: There is no credit card number on the physical card on the Apple Card. The Wallet app includes a virtual card number when you use the card with Apple Pay. You can also view the exact location and store where the purchase was made.
  • Other Features: The Apple Card is paired with the Wallet app, which looks like a budgeting app. Expense overviews show how much you spend in each category. Purchases are color coded based on the type of things you buy, such as: Food or clothing.
  • Payment: Before you make a payment, you will learn how to save interest. Apple Card estimates the amount of interest payable based on your payment amount.
  • Wallet app (and iPhone) required for login: The Wallet app is exclusive to Apple's own iOS devices. You do not have an iPhone (or iPad) and can not log in to use it. I'm sorry, Android fans.

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Apple Card FAQ: What You Need to Know



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The Apple Card has no card number.


Screenshot by Katie Conner / CNET

Amazon Prime Rewards Visa Card

  • Rewards: The Amazon Prime Rewards Visa Card rewards you with points you redeem for a future purchase on Amazon.com (or Chase) can. 100 points equals a earned dollar. You also earn a percentage of the cashback on your purchases. There is no limit to what you can earn. If you're eligible for the card, you will also receive an Amazon gift card worth $ 70. You can see your bonus balance at checkout when making a purchase.
  • Where To Earn: Get 5% off purchases at Amazon and Whole Foods, 2% off at restaurants, gas stations and drugstores 1% off all other purchases. Many retailers now have an Amazon store where they can sell their items. Always check Amazon before you make a purchase to get 5% back. For late payments up to $ 38 plus interest.
  • Annual percentage: Amazon's annual interest rate ranges from 16.49% to 24.49%, based on credit worthiness.
  • Map Options: Amazon offers two Visa cards. One of them is the Prime version, for which you need an Amazon Prime account. The other is the Amazon Rewards Visa Card and offers 3% off Amazon and Whole Foods instead of 5%. This card does not require a Prime Member account.
  • Premium Benefits: Use the card for room upgrades and VIP guest status in luxury hotels. The Amazon Visa also offers a free concierge service to find tickets to top events or to arrange dinner reservations.
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Amazon Rewards Visa cards offer excellent rewards.


Screenshot by Katie Conner / CNET

What is better for you?

Aside from the financial tracking benefits, the fact that there is no physical number on the card, and the deep integration into Apple Wallet, the main differences between the two are in the form of rewards (such as Cash Back) Use.

If you buy a lot from Amazon, this card is probably the better choice. The fact that the rewards are Amazon Points and is great if you buy enough from the online retailer.

However, if you buy primarily from other online and physical retailers that accept Apple Pay, the 2% refund of the Apple Card is great. It is also a good choice if you occasionally make a late payment.

Since the Apple Card is only offered in the Apple stores with 3% cashback, you may be able to make a better deal if you are shopping for something in another store (like Amazon or Walmart). Hardware prices at Apple's own stores are often higher than at other retail stores.

The Apple Card appears to have some advantages over those currently available and could be a valuable addition to the (virtual) wallets of savvy buyers. We will know more if those who have been invited to sign up give us feedback.

$ 999

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