Prime Visa vs Apple Card
Side-by-side comparison
| Prime Visa | Apple Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 Amazon Gift Card upon approval | No current offer |
| Dining | 2x | 2x |
| Groceries | 5x | 2x |
| Gas | 2x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $590 | $583 |
| Points type | Cash back only | Cash back only |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Prime Visa earns about $590 a year in rewards and the Apple Card about $583, valuing every point at a flat 1 cent. The Prime Visa has no annual fee, so its rewards are all profit. The Apple Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Prime Visa delivers more total value, about $82 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Prime Visa currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Prime Visa if your spending leans toward groceries. Pick the Apple Card if your spending leans toward travel, streaming, everything else.