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Apple Card vs Capital One Quicksilver Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Capital One Quicksilver Cash RewardsCapital One |
|---|---|---|
| Rating | 3.8/5 | 4.3/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 18.49% - 28.49% |
| Signup Bonus | None | $200 cash bonus after spending $500 in 3 months |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel |
| 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 | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Quicksilver Cash Rewards
With a 4.3/5 rating, the Capital One Quicksilver Cash Rewards edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The Capital One Quicksilver is a straightforward 1.5% cash back card with no annual fee and no foreign transaction fees. It won't top the charts on raw rewards, but it's simple, globally accepted, and earns 5% on travel booked through Capital One.