Head-to-head · 🇺🇸 United States

Apple Card vs Citi Premier

Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.

Goldman Sachs / Apple

Apple Card

Wins 2 of 10

Citi

Citi Premier

Wins 0 of 10

Verdict

Apple Card wins 2-0. Apple ecosystem users — daily cashback, instant in Wallet. Citi Premier is still the right call if travel + dining + groceries combined — broader 3x than sapphire preferred..

Side-by-side

Criterion	Apple Card	Citi Premier
Annual fee	No annual fee	· $95
Joining fee	= None	= None
Top reward rate	= 3% (shopping)	= 3% (travel)
Base reward rate	= 1%	= 1%
Forex markup	= No FX fee	= No FX fee
Welcome bonus	= No welcome bonus — daily cashback model	= 60,000 ThankYou points after $4,000 in 3 months
Fee waiver threshold	= N/A (no fee)	= No waiver
Min income	= —	= —
Min credit score	660	· 700
Editorial rating	= 4.4/5	= 4.4/5

Apply for Apple Card Apply for Citi Premier

Benefits compared

Apple Card

3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
2% Daily Cash on all Apple Pay transactions
1% Daily Cash on physical-card purchases
No annual fee, no foreign transaction fee, no late fees
High-yield savings account at 4.4% APY
Privacy-first: no purchase data sold

Citi Premier

3x ThankYou points on travel (incl. gas)
3x on dining
3x on supermarkets
Transferable to 16 airline partners
$100 annual hotel credit
No foreign transaction fees

FAQ

›Apple Card vs Citi Premier: which is better?

Apple Card wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.

›Can I get both?

Yes — if your credit profile supports it, holding both is the optimal play. Use Apple Card for its best categories, Citi Premier for its best categories. Just watch the combined annual fees against your spend.

›Which one has the better welcome bonus?

Apple Card: No welcome bonus — daily cashback model. Citi Premier: 60,000 ThankYou points after $4,000 in 3 months.