Apple Card vs Citi Double Cash
Citi Double Cash earns more on dining, groceries, gas and 9 more categories, and Apple Apple Card never earns more.
- Updated October 17, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
You already hold it: Citi Double Cash earns as much or more everywhere here.
-
Pick it if
You want the most back: it earns as much or more in every category here.
Neither has an annual fee, so pick on where you spend.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Apple Apple Card | Citi Double Cash | Earns more |
|---|---|---|---|
| Dining | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Groceries | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Gas | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Travel | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Airfare | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Hotels | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Transit | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Streaming | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Drugstores | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Online shopping | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Wholesale clubs | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Everything else | $2.00 2% | $2.80 2.8% | Citi Double Cash (+$0.80) |
| Annual fee | $0 | $0 |