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Chase Freedom Unlimited® vs. Citi® Double Cash Card
One offers better cash back, but the other has a cashback boost during the first year.
The Chase Freedom Unlimited® and Citi® Double Cash Card are similar cards that offer flat cash back and no annual fees. The main difference between the two is that the Chase Freedom Unlimited® comes with an intro APR period on purchases, while the Citi® Double Cash Card card offers a slightly higher cashback rate, which may be a better option long term.
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Chase Freedom Unlimited®
|
Citi® Double Cash Card
|
|---|---|
|
★★★★★ 4.2 / 5.0 |
★★★★★ 3.4 / 5.0 |
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|
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$150 after spending $500 in the first 3 months |
N/A |
|
1.5% cash back on all purchases |
1% cash back when you make purchases and 1% cash back when you pay off your card |
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0% intro APR for 15 months, and then 16.74% to 25.49% variable |
15.74% to 25.74% variable |
| $0 | $0 |
|
APR: 0% intro APR for 15 months, then 16.74% to 25.49% variable Fee: $5 or 5% of the transaction, whichever is greater |
APR: 0% intro APR for 18 months, then 15.74% to 25.74% variable Fee: $5 or 3% of the transaction, whichever is greater |
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APR: 26.74% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 26.99% variable Fee: $10 or 5% of the transaction, whichever is greater |
| 3% of each transaction | 3% of each transaction |
| Up to $39 | Up to $39 |
| $0 | $0 |
| 21 days | 23 days |
| $0 | $0.50 |
| 670 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
What’s next?
The Citi® Double Cash Card offers stronger ongoing cash back as long as you pay off your purchases. However, the Chase Freedom Unlimited® comes with a 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
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