Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Chase Freedom Unlimited® vs. Citi® Double Cash Card

One offers better cash back, but the other comes with more features.

Updated . What changed?

Fact checked
Please note: Citi is an advertising partner of finder.com

The main difference between the two cards is the cashback rate: The Citi® Double Cash Card offers 1% cash back on all purchases and another 1% as you pay them off, while the Chase Freedom Unlimited® earns 5% back on three categories — two of which are for a limited time — 3% back on two categories and 1.5% back on all other purchases.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Rates & Fees

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.7 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Unlimited 1.5% cash back on every purchase
  • Highest unlimited cash back
Welcome offer
Welcome offer

$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year

N/A

Rewards
Rewards

5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.99% to 23.74% variable

13.99% to 23.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR 14.99% to 23.74% variable

0% intro APR for 18 months, then 13.99% to 23.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 23 days
Minimum interest
Minimum interest $0 $0.50
Minimum credit score
Minimum credit score 670 740
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Summary of card features

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and an impressive 1.5% on all other purchases.
  • Get a signup bonus of $200 after you spend $500 within your first 3 months of account opening.
  • You'll also earn 5% cash back at grocery stores on up to $12,000 in the first year (then 1.5%).
  • Don't pay an annual fee.

Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

WATCH: Our Finder Face-off

Some of the offers in this video may no longer be available through our site.

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, plus 5% cash back at grocery stores on up to $12,000 in the first year. 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:

Annual spendingChase Freedom Unlimited® cash backCiti® Double Cash Card cash back
Groceries$7,000$350$140
Gas$2,000$30$40
Dining (including takeout and delivery)$6,000$180$120
Travel$3,000$150$60
Lyft$1,000$50$20
Drugstores$1,500$45$30
Everything else$3,000$45$60
Total$23,500 spent$850 cash back$470 cash back

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.

The winner: Chase Freedom Unlimited®

The Citi® Double Cash Card offers a strong ongoing cashback rate as long as you pay off your purchases. As a result, the Citi® Double Cash Card is always going to be valuable, regardless of your spending habits.

However, the Chase Freedom Unlimited® currently comes with a few ways for savvy cardholders to wring out more value, including a signup bonus, the 5% and 3% cashback categories, and it earns Ultimate Rewards points.

If you’re already in the Chase ecosystem, you’ll want to spring for the Chase Freedom Unlimited®. And if you have a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, you can transfer your points to one of the two and get either 25% or 50% higher value for your points when you redeem for travel purchases via the Chase Ultimate Rewards portal.

Who should get the Chase Freedom Unlimited®?

The Chase Freedom Unlimited® is a top pick for earning rewards on a variety of categories, including grocery purchases while the intro bonus lasts. It’s also an essential component for anyone looking to take advantage of the Chase trifecta.

Who should get the Citi® Double Cash Card?

The Citi® Double Cash Card is the go-to choice if you’re looking for a flat-rate cashback card. While it’s outshone by the Chase Freedom Unlimited®‘s cashback rates and limited time offers, the Citi® Double Cash Card pulls in a great earning rate on average. It can also help you consolidate your debt with a long balance transfer offer.

Compare cash back credit cards

Not sure about either of the two products above? Select your credit score below and click Show cards to start comparing other cashback cards on the market.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$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.
loading

Compare up to 4 providers

More guides on finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site