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.
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Chase Freedom Unlimited®
|
Citi® Double Cash Card
|
|---|---|
|
★★★★★ 4.2 / 5.0 |
★★★★★ 3.4 / 5.0 |
|
|
| 3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases | None |
|
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases |
1% cash back when you make purchases and 1% cash back when you pay off your card
|
|
0% intro APR for 15 months, and then 17.24% to 25.99% variable |
0% intro APR for 18 months, and then 15.74% to 25.74% variable |
| $0 | $0 |
|
APR: 0% intro APR for 15 months, then 17.24% to 25.99% variable Fee: $5 or 3% 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 |
|
APR: 27.24% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 27.49% variable Fee: $10 or 5% of the transaction, whichever is greater |
| 3% of each transaction | 3% of each transaction |
| Up to $38 | Up to $35 |
| $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 healthy cashback 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®
