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 →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. Apply links go directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.