Apple Card vs Chase Sapphire Preferred

Side-by-side comparison of Apple Card and Chase Sapphire Preferred. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Apple Card	Chase Sapphire Preferred
Issuer	Goldman Sachs	Chase
Network	Mastercard	Visa
Card Material	Titanium	Metal
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%	0%
Lifecycle	Available	Available

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)
Travel	1.0% (base)	5.0%
Restaurants	1.0% (base)	3.0%
Supermarkets	1.0% (base)	3.0%
Streaming	1.0% (base)	3.0%
Peloton	1.0% (base)	5.0%
Lyft	1.0% (base)	5.0%
Anniversary Bonus	None	0.1
Portal Boost	1x	1.25x

Benefits & Partners

Transfer Partners	None	14 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	19.24% - 29.49%	12.49% - 20.74%
Cash Advance APR	N/A	21.74%
Penalty APR	N/A	23.24%
Late Fee	N/A	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	✓
Baggage Delay	—	✓
Baggage Loss	—	✓
Cell Phone Protection	—	—
Extended Warranty	—	✓
Purchase Protection	—	120 days
Return Protection	—	—
Roadside Dispatch	—	Pay-per-use
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