Head to head

Citi Simplicity Card vs. Apple Card

On the criteria below, Apple Card wins 2 of 4. The verdict depends on which criteria matter to you.

Citi Simplicity Card

Citi

Goldman Sachs Bank USA

At a glance

Apple Card wins 2 of 4 criteria here, making it the stronger all-rounder.

Apple Card leads on earning ceiling and foreign transactions, while Citi Simplicity Card only ties the rest.

0 vs 2 (2 tie)

First-year math Tie

Both cards land within $25 of each other after the annual fee.
Annual fee Tie

Same annual fee.
Earning ceiling Apple Card

Apple Card earns more on its best category (3× vs 0×).
Foreign transactions Apple Card

Apple Card has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): —; —
First-year net: +$0; +$0
Peak earning rate: —; 3×
Top categories: —; Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
Lounge access: No; No
Travel insurance: No; No
Elite status: No; No
Foreign transaction fee: 3.00%; None
Reward currency: —; Apple Daily Cash

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.