Goldman Sachs Apple Card vs Citi Double Cash
Both cards valued on the same spending, after fees. Year 1 against every year after shows which one keeps its value once the welcome bonus is gone.
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
On a family's spending: Year 1 goes to Citi Double Cash, every year after to Citi Double Cash, and 3 years to Citi Double Cash. Compare them on your own spending
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
after fees, points at their cash value. "~" marks estimates.
| Spending | Goldman Sachs Apple Card | Citi Double Cash | Ahead |
|---|---|---|---|
| Student | $532 | $909 | Citi Double Cash |
| Couple | $1,380 | $2,040 | Citi Double Cash |
| Family | $1,809 | $2,612 | Citi Double Cash |
| Frequent traveller | $2,095 | $2,994 | Citi Double Cash |
| Big spender | $4,298 | $5,931 | Citi Double Cash |
Frequently asked questions
Which is better, Goldman Sachs Apple Card or Citi Double Cash?
Over 3 years, Goldman Sachs Apple Card comes out ahead on 0 of 5 spending presets and Citi Double Cash on 5. On a family's spending ($3,350 a month), Year 1 goes to Citi Double Cash and every year after to Citi Double Cash.
Why can the winner change after year 1?
Year 1 includes welcome bonuses and first-year fee waivers. From year 2 only rewards on spending, ongoing credits and the full annual fee count, so a card with a bigger bonus can fall behind.
Sources
Estimates for information only; not financial advice. See how cards are ranked.