Blue Cash Preferred Card from American Express vs. Apple Card
On the criteria below, Blue Cash Preferred Card from American Express wins 3 of 5. The verdict depends on which criteria matter to you.
Blue Cash Preferred Card from American Express
Amex
Apple Card
Goldman Sachs Bank USA
Blue Cash Preferred Card from American Express wins 3 of 5 criteria here, making it the stronger all-rounder.
Blue Cash Preferred Card from American Express wins on first-year math, earning ceiling, and travel insurance; Apple Card wins on annual fee and foreign transactions.
Pick the Blue Cash Preferred Card from American Express if year-one math is your priority; take the Apple Card if you want a cheaper card to keep long-term.
Who wins what
3 vs 2- First-year math Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express wins on bonus value minus annual fee.
- Annual fee Apple Card
Apple Card is $95 cheaper to keep.
- Earning ceiling Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express earns more on its best category (6× vs 3×).
- Travel insurance Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express carries built-in travel insurance.
- Foreign transactions Apple Card
Apple Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $300
- —
- First-year net
- +$205
- +$0
- Peak earning rate
- 6×
- 3×
- Top categories
- Gas, Streaming, Transit
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- 2.70%
- None
- Reward currency
- Cashback
- Apple Daily Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.