Apple Card vs Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley

Side-by-side comparison of Apple Card and Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Apple Card	Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley
Issuer	Goldman Sachs	American Express
Network	Mastercard	American Express
Card Material	Titanium	Plastic
Annual Fee	$0.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	2.7%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Apple purchases and select partners using Apple Pay (Uber, Nike, Panera, T-Mobile, Exxon, Ace, Walgreens)	3.0%	1.0% (base)
All other purchases using Apple Pay	2.0%	1.0% (base)
Supermarkets	1.0% (base)	6.0%
Streaming	1.0% (base)	6.0%
Gas Stations	1.0% (base)	3.0%
Transit & Rideshare	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	19.24% - 29.49%	12.74% - 21.74%
Cash Advance APR	N/A	21.99%
Penalty APR	N/A	26.74%
Late Fee	N/A	$40
Balance Transfer Fee	N/A	N/A

Insurance & Protections

Auto Rental	—	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard