Head to head

Bank of America Unlimited Cash Rewards credit card vs. Apple Card

On the criteria below, Apple Card wins 2 of 4. The verdict depends on which criteria matter to you.

Bank of America Unlimited Cash Rewards credit card

Bank of America

Goldman Sachs Bank USA

At a glance

Apple Card wins 2 of 4 criteria here, making it the stronger all-rounder.

Bank of America Unlimited Cash Rewards credit card wins on first-year math; Apple Card wins on earning ceiling and foreign transactions.

Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.

1 vs 2 (1 tie)

First-year math Bank of America Unlimited Cash Rewards credit card

Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
Annual fee Tie

Same annual fee.
Earning ceiling Apple Card

Apple Card earns more on its best category (3× vs 0×).
Foreign transactions Apple Card

Apple Card has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): $250; —
First-year net: +$250; +$0
Peak earning rate: —; 3×
Top categories: —; Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
Lounge access: No; No
Travel insurance: No; No
Elite status: No; No
Foreign transaction fee: 3.00%; 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.