One offers better cash back, but the other has a signup bonus.
The Chase Freedom Unlimited® and Citi® Double Cash Card are great products that offer flat cash back and no annual fees. When choosing between them, consider what type of intro APR you want and whether you’d like a signup bonus.
|
Chase Freedom Unlimited®
|
Citi® Double Cash Card
|
|---|---|
|
★★★★★ 4.2 / 5.0 |
★★★★★ 3.4 / 5.0 |
| Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening | None |
|
Earn 1.5% unlimited cash back for each dollar spent |
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases
|
|
0% intro APR for 15 months, and then 16.99% to 25.74% variable |
15.49% to 25.49% variable |
| $0 | $0 |
|
APR: 0% intro APR for 15 months, then 16.99% to 25.74% variable Fee: $5 or 3% of the transaction, whichever is greater |
APR: 0% intro APR for 18 months, then 15.49% to 25.49% variable Fee: $5 or 3% of the transaction, whichever is greater |
|
APR: 26.99% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 27.24% variable Fee: $10 or 5% of the transaction, whichever is greater |
| $38 | $35 |
| $0 | $0 |
| 21 days | 23 days |
| $0 | $0.5 |
| 670 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
Chase Freedom Unlimited®
- No annual fee
- Unlimited 1.5% cash back
- Signup bonus of $150 cash back after you spend $500 on purchases in the first 3 months from account opening
- Zero fraud liability
The Chase Freedom Unlimited® is fairly similar to the Citi® Double Cash Card because it offers flat cash back. Its main differentiators are a signup bonus and an intro APR on purchases, which its competitor doesn’t offer. To get the $150 signup bonus, you'll have to spend at least $500 on purchases within the first 3 months of card membership.
Citi® Double Cash Card
- No annual fee
- Intro APR on balance transfers for the first 18 months
- Earn 1% cash back when you make purchases
- Earn an additional 1% cash back when you pay off your card
As long as you pay off your purchases, the Citi® Double Cash Card offers a better rewards rate than the Chase Freedom Unlimited® credit card does. You’ll receive 1% cash back on all purchases and another 1% as you pay them off. Citi also periodically offers an excellent balance transfer intro APR.
What’s next?
The Citi® Double Cash Card offers stronger cash back as long as you pay off your purchases. However, the Chase Freedom Unlimited® comes with a healthy signup bonus. Both cards are great choices if you want the simplicity of flat rewards.
If you’re not sure about either product, compare other cashback cards below.
Compare Citi® Double Cash Card vs. Chase Freedom®
