Your financial situation should dictate which credit card is right for you. And the Apple Card—even with its tidy package of features—might not be it.

Sure, as a starter card, it’s hard to beat. People mastering the basics of paying statement balances on time each month get a more generous deal than with a big bank: bigger rewards, a break on foreign transactions fees, and more leeway if they forget to pay on time.

But perhaps you’re only concerned about cash back, low interest rates, or a specific combination of benefits that the Apple Card just doesn’t nail. You can do better, and I’ve sifted through multiple cards with no annual fees to find those best alternatives to the Apple Card—be it for the whole set of features or a specific perk.

The recommendations here do not take into account incidentals like complimentary travel and car rental insurance, nor cards with annual fees or introductory zero-interest interest rates. Those are for people who play deep in the credit card game, and the strategies are too different for the typical person considering an Apple Card.

Best Apple Card alternative

citi double cash info page Citibank

The Citi Double Cash pays 2 percent on all purchases, unlike the Apple Card.

You can’t find a rival card that goes up against the Apple Card in a precise 1 to 1 fashion, but competition with a similar spirit exists. Decent cash back rewards, Apple Pay compatibility, spending reports, and few fees are not Apple exclusives.

The Citi Double Cash hits the major point most closely. You earn 2 percent cash back on all purchases with no cap and pay no annual fee. Citibank also supports Apple Pay, provides color-coded and categorized spending reports with customizable time periods, and offers real-time fraud alerts and the option for custom alerts.

The card’s main downside compared to the Apple Card is a 3 percent foreign transaction fee when you buy items or services from a foreign merchant. The higher annual percentage rate (APR) for interest is also arguably a downside, but you should never carry a balance on a credit card if you want to stay financially healthy. This is especially true for rewards cards, as they have higher APRs.

For more information on this card (and other top Apple Card competitors), our in-depth overview spells out the differences in fees, interest rates, and cashback percentages.



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