Apple Card vs Citi Double Cash
Citi Double Cash edges Apple Card on year-1 math ($360 more value at 1.8¢/pt).
Quick verdict
Citi Double Cash edges Apple Card on year-1 math ($360 more value at 1.8¢/pt)
Apple Card: $0 recurring credits + $0 welcome bonus − $0 AF = $0 net. Citi Double Cash: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Apple Card | Citi Double Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | — | 20,000 pts after $1,500 in 6mo |
| Welcome bonus value @ 1.8¢ | — | $360 |
| Free-night cert | — | — |
| Recurring credits / year | $0 | $0 |
| Year-1 net @ 1.8¢ | $0 | $360 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Apple Card
0 recurring credits
No recurring credits listed in our catalog for this card.
Citi Double Cash
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Apple Card if
you prefer the Apple ecosystem (Apple portal, Apple transfer partners, Apple elite status path).
Pick Citi Double Cash if
the welcome bonus pays more at 1.8¢/pt ($360 vs $0).