Head to head 
Apple Card vs. Amazon Store 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
Amazon Store Card
Synchrony
At a glance
Apple Card and Amazon Store Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Apple Card wins on earning ceiling; Amazon Store Card wins on foreign transactions.
Who wins what
1 vs 1 (2 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 Apple Card
Apple Card earns more on its best category (3× vs 0×).
- Foreign transactions Amazon Store Card
Amazon Store Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 3×
- —
- Top categories
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- —
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- Not disclosed
- Reward currency
- Apple Daily Cash
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.