I had double cash until someone skimmed my card and citi didn’t notice. I had to catch it, make a complaint, then sign bullshit forms asking if the following name was mine. It just stumped me how they didn’t catch it - there were purchases being made in different geographies on the same day as I was making purchases elsewhere. I lost total confidence in citi as a trustworthy company after that.

Capital one is way more proactive on catching fraud, so I use their 1.5% quicksilver. Several times they have asked me about potentially fraud purchases. Totally worth it for peace of mind.

I realize that I’m not liable for fraud credit card purchases but it’s still a stressful hassle to catch fraud yourself, challenge purchases, go through the motions and eventually get them dropped months later.

Barclays I use for dining out and travel, have yet to see how they are.

The way the Citi Double Cash Card works is you get 1% for every dollar spent and 1% for every dollar paid.

- It is actually 1.98% because when you apply it to a statement credit you are not really paying off the full total. You get a straight 2% back, daily, with Apple Card.

- There is also a redemption minimum with Citi, in this case there needs to be at least $25 dollars in cash back before you can claim it. Apple doesn't have that.

- Citi card has foreign transaction fees. Apple Card does not.

- The rewards "expire" with Citi. Apple's doesn't.

- Citi's rewards are given to you after your first statement is paid off and higher than 25 dollars. Apple's is given daily, and you can do what you want with those cash rewards.

Maybe you have a different Citi card than I do, but there's a cap on the 2% with mine. Also, there's a bunch of fees that the Apple Card doesn't have.

I don't know any big bank card that doesn't have late payment or over limit fees, for example.