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Apple Card vs Citi Custom Cash Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Citi Custom Cash CardCiti |
|---|---|---|
| Rating | 3.8/5 | 4.5/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 17.49% - 27.49% |
| Signup Bonus | None | $200 cash back after spending $1,500 in 6 months |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 5% on your top eligible spend category each billing cycle (up to $500 spent), 4% on hotels/cars/attractions via Citi Travel, 1% on everything else |
| Credit Score | good | good |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | 5% on your top spending category automatically — no activation needed 10 eligible 5% categories including dining, groceries, gas, streaming 0% intro APR for 18 months on balance transfers |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | $500/billing cycle cap on 5% category Only 1% on non-top-category spending Limit of one Citi Custom Cash card per person |
| View Details → | View Details → |
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Verdict
Our Pick: Citi Custom Cash Card
With a 4.5/5 rating, the Citi Custom Cash Card edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The Citi Custom Cash automatically gives you 5% back on whichever eligible category you spend the most in each billing cycle. No sign-ups, no rotating — just spend and it adjusts.