Chase Freedom Unlimited® credit card vs. Citi® Double Cash Card | finder.com

Chase Freedom Unlimited® vs. Citi® Double Cash Card

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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®

Chase Freedom Unlimited®

Citi® Double Cash Card

Citi® Double Cash Card

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★★★★★

4.2 / 5.0

★★★★★

3.4 / 5.0
Welcome offer
Welcome offer Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening None
Rewards
Rewards

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

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 16.99% to 25.74% variable

15.49% to 25.49% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

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

Cash advance
Cash advance

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

Late payment fee
Late payment fee $38 $35
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 23 days
Minimum interest
Minimum interest $0 $0.5
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Which card should you choose?

Chase Freedom Unlimited®

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

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®

Compare cash back credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.
$0
15.49% to 25.49% variable
0% for the first 18 months (then 15.49% to 25.49% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

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Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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