2 Visa Credit Card vs Apple Card: Which Is Actually Worth It?
Petal is for the no-FICO approval case; Apple Card is for the fair-credit approval with Apple Pay rewards.
2 Visa Credit Card
Earning 2% cash back on select merchants isn't worth the risk of high APRs
Apple Card
Earns triple cashback on Apple purchases, but at a hefty APR cost.
Side-by-side specs
| 2 Visa Credit Card | Apple Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | None | None |
| APR range | 18.24–32.24% Variable | 19.24–29.49% Variable |
| Foreign tx fee | None | None |
| Credit target | limited or fair | fair to good |
2 Visa Credit Card earn rates
Apple Card earn rates
The verdict
You have zero credit history - Petal uses income data to approve people Apple Card's Goldman Sachs underwriting would decline.
Apply at Petal →You have fair-to-limited credit and want something that works seamlessly in the Apple ecosystem with Daily Cash.
Apply at Apple / Goldman Sachs →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
2 Visa Credit Card annual fee $0, APR 18.24–32.24% Variable, signup offer None, terms as of 2026-05-06. Apple Card annual fee $0, APR 19.24–29.49% Variable, signup offer None, terms as of 2026-05-06. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.