Apps are not backed up. They are in your iTunes library and you can sync them to the phone or download them again.
There IS a difference between what is backed up to iCloud and what is backed up to your computer. Apps, music, podcasts and videos are NOT included in the backup on your computer. There is no need to include them in the backup because they are in your iTunes library on your computer already, and can just be resynced. iTunes purchased music, podcasts and videos are technically not backed up in iCloud either, because they can be restored from Apple's servers when you restore, but for all practical purposes they are included because they will be restored when you restore an iCloud backup.
Non-iTunes music such as CD rips and MP3s from non-Apple sources should also be in your iTunes library on your computer, and can be restored from it by syncing. They are NOT included in the iCloud backup, however, unless you enable iTunes Match.
You cannot see the iCloud backup. You can only Restore it.