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Apple Card Vs. Amazon Prime Rewards Visa: Which Credit Card Is Best For You?



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Apple's credit card is included in the Wallet app, but is also shipped with a physical card.


James Martin / CNET

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

Another popular card for tech-savvy buyers, which is 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 Rewards: The Apple Card offers cashback that can be used anywhere, anytime. Use the money back to pay for groceries, pay a friend, or pay for your credit card.
  • How To Earn: With Apple stores (Apple Store, apple.com, App Store, or iTunes), including games, in-app purchases, and services like Apple Music, you get a 3% reimbursement subscription and iCloud subscription. storage plan. In other stores, you earn 2% with Apple Pay (with the virtual card on your phone) and 1% in stores that do not accept Apple Pay (with the physical card). There are no profit limits, but your credit card limit can maximize the amount you earn.
  • No Charges: There are no fees for a missed payment or annual Apple Card fees. In addition to what you already owe, you will still be charged interest.
  • Annual Percentages: Speaking of Apple's interest rates, Apple's annual interest rates range from 13.24% to 24.24% on purchases based on creditworthiness.
  • 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 a purchase was made.
  • Other Features: The Apple Card is paired with the Wallet app, which looks like a budgeting app. Output Summaries 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: To save interest before you make a payment. 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 If you do not have an iPhone (or iPad), you can not sign in to use it , 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.
  • Earn: 5% on Amazon and Whole Foods, 2% on restaurants, gas stations and drugstores and 1% off on 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 rating.
  • 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 main membership.
  • Premium Benefits: Use the card for room upgrades and VIP guest status in luxury hotels. The Amazon Visa also offers a complimentary concierge service to find tickets for 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 benefits such as financial tracking, the fact that there is no physical number on the card, and the comprehensive integration with Apple Wallet, the main differences between the two in terms of rewards and usage. [19659006] If you buy a lot from Amazon, this card is probably the better choice. The fact that premiums are limited to Amazon points (unlike Apple's cashback) is not a big deal if you buy enough from the online retailer.

However, if you primarily buy from other online and physical retailers who 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 do a better deal by buying something on offer 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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