Head-to-head · 🇺🇸 United States

Citi Premier vs Apple Card

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

Citi

Citi Premier

Wins 0 of 10

Goldman Sachs / Apple

Apple Card

Wins 2 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	Citi Premier	Apple Card
Annual fee	· $95	No annual fee
Joining fee	= None	= None
Top reward rate	= 3% (travel)	= 3% (shopping)
Base reward rate	= 1%	= 1%
Forex markup	= No FX fee	= No FX fee
Welcome bonus	= 60,000 ThankYou points after $4,000 in 3 months	= No welcome bonus — daily cashback model
Fee waiver threshold	= No waiver	= N/A (no fee)
Min income	= —	= —
Min credit score	· 700	660
Editorial rating	= 4.4/5	= 4.4/5

Apply for Citi Premier Apply for Apple Card

Benefits compared

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

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