Your financial situation should dictate which credit card is right for you. And the Apple Card—even with its tidy package of features—might not be it.
Sure, as a starter card, it’s hard to beat. People mastering the basics of paying statement balances on time each month get a more generous deal than with a big bank: bigger rewards, a break on foreign transactions fees, and more leeway if they forget to pay on time.
But perhaps you’re only concerned about cash back, low interest rates, or a specific combination of benefits that the Apple Card just doesn’t nail. You can do better, and I’ve sifted through multiple cards with no annual fees to find those best alternatives to the Apple Card—be it for the whole set of features or a specific perk.
