Apple Card vs Miles & More® World Elite Mastercard®
Side-by-side comparison
| Apple Card | Miles & More® World Elite Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | $89 |
| Welcome offer | No current offer | 70,000 miles |
| Dining | 2x | 1x |
| Groceries | 2x | 1x |
| Gas | 2x | 1x |
| Travel | 2x | 2x |
| Streaming | 2x | 1x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $583 | $310 |
| Points type | Cash back only | Locked to Miles & More |
| Network | Mastercard | 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 Apple Card earns about $583 a year in rewards and the Miles & More® World Elite Mastercard® about $310, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Miles & More® World Elite Mastercard® charges $89, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Apple Card delivers more total value, about $363 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and 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 Miles & More® World Elite Mastercard® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Apple Card if your spending leans toward dining, groceries, gas.