Apple vs Amazon Chase

[GatorGuy]

Without a doubt the Chase Amazon card. Unlimited 5% CB is very valuable. Synchrony doesn't compare to Chase.

The Applecard is pointless in my opinion.

[CreditCrusader]

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@Anonymous wrote:

If you could have one, but not both, would you choose Apple Card or Amazon Chase Card?

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Apple...not even close.

I get 2-4% cash back on everything because I link my card to Apple Pay...and virtually everyone accepts Apple Pay, both online and in-person.

Plus, when you make a payment, the balances update IMMEDIATELY. Sometimes other lenders (like Synch) take days to update the balances.

[Anonymous]

@Trini88  I see in your signature that you have both Apple and Amazon Chase. Your unique perspective is much appreciated.

[Anonymous]

@TheRedHat  That is a genius move to buy an Apple gift card using Amazon Chase and get 5% back on the purchase.

[RobynJ]

I personally love the Apple card

1- The titanium metal card awesome

2- But for real I love the 2% on everything as long as you use Apple Pay 

3- 3% on all Apple products and on select merchants like Exxon for fuel

4- As soon as you pay your available credit is returned and balance is to reflect your payment immediately.  Great to control AZEO for example. 
5- Application was simple and no HP unless approved 

[Anonymous]

@RobynJ  Great review of the Apple Card. I'm seriously considering getting one. One thing you mentioned that I absolutely love is being able to pay, and then your account reflects it immediately. I have the same thing with American Express. Right after I use the card, I can immediately pay it before the charge is even posted. And then when I pay, it immediately credits my card balance. It's just like you said, it's perfect for managing your AZEO.

[Pway]

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@Anonymous wrote:

If you could have one, but not both, would you choose Apple Card or Amazon Chase Card?

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I would definitely choose the Apple Card.

[cjesser15]

Are we talking the base Amazon Chase card that gets 3% at Amazon?  Or the Chase Amazon Prime card for Prime members that gets 5%?  

Honestly, either way, I'd say Chase Amazon by a mile.  I have both, and the Chase Amazon gets way more use, even on Apple products.  You can buy Apple products on Amazon, and usually at a better price than from Apple itself.  And you'd get more cash back if we're talking about the Prime card.  The only thing I use my Apple card for is for the recurring Apple services (Apple Care, Apple Music, etc).  

Some people are mentioning the Apple Card interface.  It's fine, but not so much better than the Chase app that it's a big factor for me. But to each their own.  

[Anonymous]

While there have been posts declaring one card the only obvious choice for any right-thinking person (and of course both cards have been the chosen one) as others have said it really depends on your spending, and to a lesser extent, which other cards you have.

For example, the Apple card gives a minimum of 2% everywhere when you use Apple Pay.  For many of us now, a 2% flat rate card is pretty standard, so that really isn't much of a selling point.   The 3% merchants might or might not be, depending a) if you shop there, and b) whether you have a 3+% card already for such purchases.

As someone who spends a lot on Amazon and Whole Foods, and nothing on Apple, the answer is somewhat clear.   But to my mind, the question is roughly the same as asking "World of Hyatt credit card or Target Redcard MC?????"     I think there the "It depends where you spend" answer would be more common!

[Kforce]

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@Anonymous wrote:

While there have been posts declaring one card the only obvious choice for any right-thinking person (and of course both cards have been the chosen one) as others have said it really depends on your spending, and to a lesser extent, which other cards you have.

For example, the Apple card gives a minimum of 2% everywhere when you use Apple Pay.  For many of us now, a 2% flat rate card is pretty standard, so that really isn't much of a selling point.   The 3% merchants might or might not be, depending a) if you shop there, and b) whether you have a 3+% card already for such purchases.

As someone who spends a lot on Amazon and Whole Foods, and nothing on Apple, the answer is somewhat clear.   But to my mind, the question is roughly the same as asking "World of Hyatt credit card or Target Redcard MC?????"     I think there the "It depends where you spend" answer would be more common!

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^^^ This

It depends where you spend