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Apple Card vs Capital One Savor 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 Savor Cash RewardsCapital One |
|---|---|---|
| Rating | 3.8/5 | 4.4/5 |
| 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 | 3% on dining, entertainment, grocery stores, and popular streaming, 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 | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers No foreign transaction fees |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Savor Cash Rewards
With a 4.4/5 rating, the Capital One Savor Cash Rewards edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The Capital One Savor (formerly SavorOne) is the best no-fee card for dining and entertainment. With 3% back on food, fun, and groceries plus no foreign transaction fees, it's a strong everyday carry.