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Apple Card is very convenient, but it's not the best in the rewards arena.

For example, CapitalOne SavorOne (3% for many categories) and Wells Fargo Active Cash (2% on all purchases). There are many others that are competitive for specific situations though, including Citi Custom Cash (5% in a single category). Most of these cards also offer an intro APR and/or bonus after $X has been spent.

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Definitely true, but this means that you have to spend some time and effort on using the "right" card for any given type of purchase, and staying on top of any changes to your rewards as well, to say nothing of having to juggle multiple due dates and automatic or manual payments.

A flat reward on everything definitely has its appeals. (The Apple Card isn't quite that, though – paying online without Apple Pay only gives you 1% rewards.)

As I mentioned in the comment to which you're responding, I never get less than 2% from my Apple card, so the Wells Fargo doesn't seem better to me.

I'll look into the Capital One option, thank you!

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