Apple Card vs Double Cash: Which Is Actually Worth It?
Apple Card earns 2% only via Apple Pay; Double Cash earns 2% everywhere. Non-Apple-Pay merchants get only 1% on Apple Card.
Apple Card
Earns triple cashback on Apple purchases, but at a hefty APR cost.
Double Cash
Two percent on everything. No categories, no calendar, no annual fee.
Side-by-side specs
| Apple Card | Double Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | None | $200 cash back after $1,500 in 6 months |
| APR range | 19.24–29.49% Variable | 19.24-29.24% Variable |
| Foreign tx fee | None | 3% |
| Credit target | fair to good | good to excellent |
Apple Card earn rates
Double Cash earn rates
The verdict
You're deeply in Apple Pay and don't want to think about another card. Apple Pay purchases earn 2% via Daily Cash.
Apply at Apple / Goldman Sachs →You want 2% at every merchant - including ones that don't accept Apple Pay - in your bank account, not a card balance.
Apply at Citi →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
Apple Card annual fee $0, APR 19.24–29.49% Variable, signup offer None, terms as of 2026-05-06. Double Cash annual fee $0, APR 19.24-29.24% Variable, signup offer $200 cash back after $1,500 in 6 months, terms as of 2026-05-03. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.