Chase Freedom Unlimited® vs. Citi® Double Cash Card

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To determine which of these two flat-rate cards deserves a spot in your wallet, compare their features. Here’s a look at how each card performs in a few major categories.

Best signup bonus: Chase Freedom Unlimited®

Between the two cards, only the Chase Freedom Unlimited® offers a signup bonus. You’ll earn $200 after spending $500 in your first 3 months of account opening. If you’re looking for an initial value with your cashback card pick, the Chase Freedom Unlimited® wins out here.

Best cash back: Chase Freedom Unlimited®

The Citi® Double Cash Card is one of the best flat-rate cashback cards you can get. But with the September 2020 update, the Chase Freedom Unlimited® has turned into a cashback behemoth, unmatched by many competitor cashback cards.

To illustrate the Chase Freedom Unlimited®‘s value, here’s a breakdown of how much you could earn with both cards:

Best intro APR: Tie

Comparing the intro APRs on these cards is like comparing apples to oranges. Both cards offer a 0% intro APR, though for different purposes: the Citi® Double Cash Card offers a balance transfer intro APR and the Chase Freedom Unlimited® a purchase intro APR.

If an intro APR plays heavily into your ultimate decision, bear in mind that balance transfer payments don’t earn cash back. You also shouldn’t make purchases on the Citi® Double Cash Card until you’ve paid off the entirety of your balance transfer.

Best additional perks and features: Chase Freedom Unlimited®

The Chase Freedom Unlimited® currently has the edge here thanks to a few promotional features they’ve added, such as discounted DashPass membership and additional rewards on Lyft rides. The Chase Freedom Unlimited® also technically earns Ultimate Rewards points, rather than straight cash back. That means you can redeem these points on other items such as travel, or move them to a Chase Sapphire Preferred® Card for even bigger value on those points.

Aside from Citi Entertainment, the Citi® Double Cash Card doesn’t currently offer any new promotional features. On the bright side, Citi Entertainment is a permanent feature of the Citi® Double Cash Card and isn’t subject to caps or limitations like the Chase features.

Best annual fee: Tie

Both the Citi® Double Cash Card and the Chase Freedom Unlimited® have a $0 annual fee for use. This means any rewards you earn are pure profit.

Compare Chase Freedom Unlimited® vs. Citi® Double Cash Card

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0		Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.	Apply now View details	Compare	loading Fetching your data...

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