Head to head 
Apple Card vs. Venmo Visa Signature Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Apple Card
Goldman Sachs Bank USA
Venmo Visa Signature Credit Card
Synchrony
At a glance
Apple Card and Venmo Visa Signature Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Who wins what
0 vs 0 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 3×
- 3×
- Top categories
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Second Top Spend Category, Top Spend Category
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Apple Daily Cash
- Venmo Cash Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.