Apple Card vs Citi Custom Cash Card
Compare the Apple Card ($0/yr) against the Citi Custom Cash Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Apple Card and Citi Custom Cash Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Apple Card | Citi Custom Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2.0% | 1.0% |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 5% on your top spending category each billing cycle (up to $500/cycle). |
| Issuer | Goldman Sachs | Citi |
Quick Summary
The Apple Card has a $0 annual fee (same as Citi Custom Cash Card).
Apple Card has a higher base reward rate (2.0% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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