Apple Card vs U.S. Bank Cash+®
Side-by-side comparison
| Apple Card | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | $250 rewards bonus |
| Dining | 2x | 2x |
| Groceries | 2x | 2x |
| Gas | 2x | 5x |
| Travel | 2x | 5x |
| Streaming | 2x | 5x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $583 | $564 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | Visa |
*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 U.S. Bank Cash+® about $564, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. The two are close on value, but the Apple Card edges ahead by about $19 a year, mostly because it earns more where you spend most, on everything else. 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 U.S. Bank Cash+® 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 everything else. Pick the U.S. Bank Cash+® if your spending leans toward gas, travel, streaming.