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Apple Card vs Chase Sapphire Reserve
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Chase Sapphire ReserveChase |
|---|---|---|
| Rating | 3.8/5 | 4.7/5 |
| Annual Fee | $0 | $795 |
| APR | 17.49% - 27.74% | 19.49% - 27.99% |
| Signup Bonus | None | 125,000 points after spending $6,000 in 3 months |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 8X on flights, hotels & car rentals via Chase Travel, 4X on flights & hotels booked direct, 3X on dining, 1X on everything else |
| Credit Score | good | excellent |
| 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 | Priority Pass lounge access and $300 annual travel credit 8X on flights, hotels & cars via Chase Travel, 4X booked direct Points worth 50% more when redeemed through Chase Travel |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | $795 annual fee is steep even with credits Travel credit only applies through Chase Travel portal Diminishing value if you don't travel frequently |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Reserve
With a 4.7/5 rating, the Chase Sapphire Reserve edges out the Apple Card (3.8/5). At $795/yr, the value proposition is strong. The Chase Sapphire Reserve is a premium travel card built for frequent travelers. With 8X on travel through Chase Travel, 4X on flights and hotels booked direct, $300 in annual travel credits, and Priority Pass lounge access, it delivers serious value if you can put its perks to work.