Apple Card
Goldman Sachs
No annual feeCash BackNo foreign feeMastercardFair
View issuer offerComparison 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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Overview
Citi Double Cash
Citi
No annual feeCiti ThankYou Points3% foreign feeMastercardGood
View issuer offerSome links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Apple Pay
- Apple Card
- 2%
- Citi Double Cash
- 2x
Apple Purchases
- Apple Card
- 3%
- Citi Double Cash
- 2x
Everything else
- Apple Card
- 1%
- Citi Double Cash
- 2x
| Category | Apple Card | Citi Double Cash |
|---|---|---|
| Apple Pay | 2% | 2x |
| Apple Purchases | 3% | 2x |
| Everything else | 1% | 2x |
Issuer travel portals 3 categories — only earned when you book through that issuer’s portal
Citi Travel - Attractions
- Apple Card
- —
- Citi Double Cash
- 5x
Citi Travel - Hotels
- Apple Card
- —
- Citi Double Cash
- 5x
Citi Travel - Rental Cars
- Apple Card
- —
- Citi Double Cash
- 5x
| Category | Apple Card | Citi Double Cash |
|---|---|---|
| Citi Travel - Attractions | — | 5x |
| Citi Travel - Hotels | — | 5x |
| Citi Travel - Rental Cars | — | 5x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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