American Express® Blue Cash Everyday vs Apple Card
Side-by-side comparison
| American Express® Blue Cash Everyday | Apple Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 statement credit | No current offer |
| Dining | 1x | 2x |
| Groceries | 3x | 2x |
| Gas | 3x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $455 | $583 |
| Points type | Cash back only | Cash back only |
| Network | Amex | 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 American Express® Blue Cash Everyday earns about $455 a year in rewards and the Apple Card about $583, valuing every point at a flat 1 cent. The American Express® Blue Cash Everyday has no annual fee, so its rewards are all profit. The Apple Card has no annual fee, so its rewards are all profit. The two are effectively tied on value, with the American Express® Blue Cash Everyday marginally ahead, mostly because it earns more where you spend most, on groceries and gas. 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 American Express® Blue Cash Everyday currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Blue Cash Everyday if your spending leans toward groceries, gas. Pick the Apple Card if your spending leans toward dining, travel, streaming.