Which card has a lower annual fee, Apple Card or Citi Double Cash Card?

The Apple Card has no annual fee, compared to $0 for the Citi Double Cash Card.

Which card earns more cash back, Apple Card or Citi Double Cash Card?

The Apple Card earns 2.0% base cash back, while the Citi Double Cash Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Apple Card better than the Citi Double Cash Card?

It depends on your spending. If you spend more on categories where the Apple Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Apple Card vs Citi Double Cash® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Apple Card (no annual fee) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

Affiliate Disclosure: PointsCompare may earn a commission when you apply for a card through links on this site. This doesn't affect our rankings. Cards are ordered by rewards value for your spending. Full disclosure policy

Meet the Contenders

Apple Card

3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. Earns a solid 2.0% on everything else.

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

Apply Now

Head-to-Head Comparison

Feature	Apple Card	Citi Double 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%	2%
Rates with conditions not counted in the rows above	None	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.
Key Benefits	3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card.	Unlimited 2% cash back on all purchases.

The Verdict

These cards are closely matched across categories, so the winner comes down to your specific spending mix.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.