Is Chase Building a Better Card Than Apple Card for Apple Fans?

Chase is rolling out a serious challenge to the Apple Card by adding exclusive Apple perks to its own credit cards. From Apple Music to Apple TV credits and a direct Apple Store within its portal, Chase is elevating the game for Apple fans looking for more value.

Chase Steps Up Its Apple Game

For months, rumors have swirled that Chase would take over the Apple Card from Goldman Sachs, whose run with the card was anything but smooth. In this transition, Chase hasn’t been idle. Instead, it’s been embedding Apple-related features and perks into its Chase credit cards, making them increasingly enticing for Apple users.

If you’re immersed in the worlds of miles, points, and loyalty rewards, this move raises an intriguing question: does the Chase lineup now eclipse the Apple Card for Apple enthusiasts?

Chase isn’t new to cozying up with Apple. There’s an exclusive Apple Store embedded inside the Chase portal, accessible only by Chase credit card holders—you can redeem points one-to-one for Apple products. But it’s the recent perks, introduced alongside the Apple Card acquisition news, that are really turning heads.

What Chase Sapphire Reserve Brings to the Table

The first apple-flavored perk hit the Chase Sapphire Reserve card—Chase’s premium card that costs $800 yearly. While not for everyone, this card added monthly credits that cover Apple Music and Apple TV subscriptions, effectively stripping away roughly $26 a month of your subscription costs. That’s about $320 in value annually, a meaningful offset to the steep annual fee.

But Chase didn’t stop there.

Chase Sapphire Preferred: Apple Perks for Less

In a recent move, Chase enhanced the Sapphire Preferred card—its $95-a-year entry travel card—with Apple perks that speak to more budget-conscious users. Here’s the kicker: if you’re an Apple subscriber, Chase is pretty much paying you to carry this card.

Firstly, you get Apple TV for free for a whole year, an estimated $156 value based on the $13 monthly subscription price. Activation is required before December 31, 2026, giving you some breathing room to claim this benefit.

If you’re on Apple One, which bundles various Apple services for around $39 to $42 monthly, Chase offers a $7.50 monthly credit towards your Apple One subscription through its portal. That adds up to $90 a year—turning the Sapphire Preferred card’s effective annual fee into just $5. Though the future of this perk remains unclear, it’s a solid bonus for now.

Why The Chase Travel Portal Matters

One of Chase’s game-changing moves is allowing members to turn reward points into Apple products directly from their online Apple Store within the Chase Travel portal. For example, a popular signup bonus offers 75,000 points after spending $4,000 in three months. Redeemed this way, that’s equivalent to $750 to spend on Apple gear. And Chase prices these products exactly as Apple does, with no markup — a $799 iPhone stays $799 whether you pay cash or points.

This integration adds real heft to the Chase and Apple relationship, positioning Chase’s cards as a hybrid between cashback and premium travel perks, all while keeping Apple users front of mind.

Apple Card or Chase Sapphire Preferred?

If you want simple, 3% daily cashback with zero annual fees and straightforward financing on Apple purchases, the Apple Card remains a strong contender. It doesn’t, however, offer sign-up bonuses or a wealth of ongoing perks.

Meanwhile, if you’re comfortable with a $95 annual fee and want to dip your toes into travel points and Apple-focused perks—like Apple TV credits and the potential to redeem points for Apple products—the Chase Sapphire Preferred card is worth a close look. The combination of sign-up bonuses, exclusive portal access, and Apple subscriptions rewards could tip the scales.

So, is Chase quietly positioning to be the new go-to Apple card? That seems to be the case, especially with these perks now live and more potentially on the way.

For those who follow the evolving miles and points landscape closely, this shift adds a fresh layer to choosing the best Apple-friendly card. Whether you stick with Apple’s own offering or switch to Chase might just hinge on how much you value these added benefits.