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.
3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5%. Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| 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 | <strong>2.0%</strong> | <strong>2.0%</strong> |
| Travel Rewards | 2% | <strong>5%</strong> |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | Unlimited 2% cash back on all purchases. |
Citi Double Cash Card wins on travel.
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