Apple Card vs Citi Double Cash® Card
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
GS Apple Card Goldman Sachs Bank USA 85/100 | money8020 pick C Citi Double Cash® Card Citibank 99/100 | |
|---|---|---|
| Tier | Strong | Essential |
| Rewards rate | 1%–3% | 2% |
| Annual fee | $0 | $0 |
| Regular APR | 17.49%–27.74% | 17.49%–27.49% |
| Annual fee | $0 | $0 |
| Best for | Cardholders who want cash back that fits their spending | Cardholders who want cash back that fits their spending |
| View profile | View profile |
Which should you choose: the Apple Card or the Citi Double Cash® Card?
The Citi Double Cash® Card is the stronger pick of the two, with a money8020 score of 99/100 versus 85. Choose the Apple Card instead if cardholders who want cash back that fits their spending.
On rewards rate, the Apple Card shows 1%–3% versus the Citi Double Cash® Card's 2%. On regular APR, the Apple Card shows 17.49%–27.74% versus the Citi Double Cash® Card's 17.49%–27.49%. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Apple Card vs Citi Double Cash® Card: FAQ
Is the Apple Card or the Citi Double Cash® Card better?
By our scoring, the Citi Double Cash® Card edges ahead with a money8020 score of 99/100 versus 85. The Apple Card can still be the better fit if cardholders who want cash back that fits their spending.
What is the main difference between the Apple Card and the Citi Double Cash® Card?
On rewards rate, the Apple Card offers 1%–3% while the Citi Double Cash® Card offers 2%. Review the full table above and confirm current terms with each provider. This is not financial advice.