No credit card reward is more flexible than cash. That’s why cash back credit cards are the favorite type of card for most people. Depending on where your purchasing dollars are spent each month, you might consider one or more of these credit cards that return some of your hard-earned cash back to you:

Blue Cash Preferred® Card from American Express – Why We Like It: 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit purchases, 3% cash back at U.S. gas stations, 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn a $350 statement credit after you spend $3,000 in purchases within the first 6 months. Annual fee: $95. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

Chase Freedom Flex℠ – Why We Like It: Good everyday earnings, plus the opportunity to earn 5% cash back in certain purchases throughout the year. Earn: 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Capital One SavorOne Cash Rewards Credit Card – Why We Like It: Offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee! Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. EARLY SPEND BONUS: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

First things first: Apple and its credit card issuing partner Goldman Sachs publish very little information on card approval odds or credit scores needed to qualify for the Apple Card credit card. Most of this article is based on information from past successful (and unsuccessful) applicants. It is an educated guess — but still a guess!

That said, the Apple Card is relatively easy to be approved for compared to other credit cards on the market. But that doesn’t mean everyone will be approved.

Apple Card Approval Odds / Credit Score Needed

Your chances of approval for the Apple Card will obviously be higher if your credit score is higher. Based on approved scores we’ve seen:

• A credit score of 700 or over gives you a very high chance of approval, probably 75%-80% of applicants with a score above 700 will be approved. If you have at least a year of credit history, your chances should be even better.
• If you’re between a 650 and 700 credit score, your odds of approval are still better than 50-50 — we’d say you have about a 60-65% chance of approval. Again, your chances will be better if you have at least a year of clean credit history. (No late payments beyond 30 days in particular.)
• If your score is 600 to 650, your approval odds definitely go down, but it is not hopeless. Based on information on this Apple Card page, 600 seems likely to be the lowest credit score that might be approved for the Apple Card. However, your odds of approval at a 600 credit score are probably still 25% at best, and then your chances go up a little bit with every point above that. (If declined, you *might* get invited into the Path To Apple Card program, which could lead to eventual approval.)