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Apple Card vs Discover it: Which Is Better in 2026?

Melvyn Kim
By Melvyn Kim
Founder & Editor · Published May 15, 2026
B.A. Economics

Our Verdict

Choose Apple Card if you use Apple Pay heavily. Choose Discover it if you want rotating 5% categories and a cash back match.

Apple Card

Apple

3.5/5
Annual Fee:$0
APR:19.24%-29.49% variable
Welcome Bonus: No welcome bonus
Rewards: 3% Daily Cash at Apple and select merchants (Nike, Uber, T-Mobile, Walgreens, and others), 2% on Apple Pay purchases, 1% on everything else
APPLYReview
OUR PICK

Discover it® Cash Back

Discover

3.5/5
Annual Fee:$0
APR:17.24%-28.24% variable
Welcome Bonus: Cashback Match: Discover automatically matches all cash back earned in your first year
Rewards: 5% cash back in rotating quarterly categories (up to $1,500/quarter), 1% on everything else
APPLYReview

Two of the most popular no-fee cards for young adults go head to head. Here is how they compare across rewards, fees, benefits, and accessibility.

FAQ

Can I have both cards?▼
Yes. Many people carry both to maximize rewards across different spending categories.
Which is easier to get approved for?▼
Both are accessible to people with good credit. Discover it may be slightly easier for those with limited credit history.
Do either have annual fees?▼
No. Both cards have $0 annual fees.