Comparison brief
Apple Card vs. Citi Double Cash
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Both are $0-annual-fee cash-back cards with no credits to track, which makes them a clean rate comparison. Apple Card's advertised rate depends entirely on how you pay: 1% by default, 2% only through Apple Pay, and 3% only on purchases made directly from Apple. Citi Double Cash skips the conditions entirely — a flat 2% everywhere, on any purchase, regardless of payment method.
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