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Apple Card vs Bank of America Customized Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Bank of America Customized Cash RewardsBank of America |
|---|---|---|
| Rating | 3.8/5 | 4.3/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 17.49% - 27.49% |
| Signup Bonus | None | $200 online cash rewards bonus after spending $1,000 in 90 days |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 6% in a category of your choice first year (3% + 3% first-year bonus), 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap), 1% on everything else |
| Credit Score | good | good |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | Choose your own 3% category from six options 2% at grocery stores and wholesale clubs Preferred Rewards members can boost cash back up to 75% |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | $2,500 quarterly cap on 3% and 2% categories combined Best value requires Bank of America banking relationship Only 1% on non-category purchases |
| View Details → | View Details → |
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Verdict
Our Pick: Bank of America Customized Cash Rewards
With a 4.3/5 rating, the Bank of America Customized Cash Rewards edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The BofA Customized Cash Rewards lets you pick your top 3% category, making it the most flexible no-fee cash back card. Pair it with a Bank of America checking account and Preferred Rewards to boost earnings up to 5.25%.