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.