Chase Freedom Unlimited® vs. Citi® Double Cash Card

One offers better cash back, but the other has a cashback boost during the first year.

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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.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Citi® Double Cash Card

Citi® Double Cash Card

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

★★★★★

4.2 / 5.0

★★★★★

3.4 / 5.0
Best for
Best for
  • First-year cash back boost and unlimited cash back
  • Highest unlimited cash back
Welcome offer
Welcome offer

$150 after spending $500 in the first 3 months

N/A

Rewards
Rewards

1.5% cash back on all purchases

1% cash back when you make purchases and 1% cash back when you pay off your card

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

0% intro APR for 15 months, and then 16.74% to 25.49% variable

15.74% to 25.74% variable

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

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

Cash advance
Cash advance

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

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 $39
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 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

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Which card should you choose?

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • No annual fee
  • Easy-to-earn signup bonus
  • Zero fraud liability

Citi® Double Cash Card

Citi® Double Cash Card

  • No annual fee
  • Long intro APR on purchases and balance transfers
  • Earn 1% cash back when you make purchases
  • Earn an additional 1% cash back when you pay off your card

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

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn $150 after spending $500 in the first 3 months.
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 14.74% to 25.74% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
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CardMatch™ from creditcards.com
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See terms
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5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
15.74% to 25.24% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

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