Head-to-head · 🇺🇸 United States
Citi Double Cash vs Apple Card
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Double Cash
Wins 2 of 10
US
Goldman Sachs / Apple
Apple Card
Wins 3 of 10
Verdict
Apple Card wins 3-2. Apple ecosystem users — daily cashback, instant in Wallet. Citi Double Cash is still the right call if set-it-and-forget-it 2% on everything.
Side-by-side
| Criterion | Citi Double Cash | Apple Card |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 3% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = No welcome bonus — daily cashback model |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 670 | 660 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
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
FAQ
›Citi Double Cash vs Apple Card: which is better?
Apple Card wins on more dimensions (3 vs 2). 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 Citi Double Cash for its best categories, Apple Card for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Apple Card: No welcome bonus — daily cashback model.