Chase Freedom Unlimited® credit card vs. Citi® Double Cash Card | finder.com

Chase Freedom Unlimited® credit card vs. Citi® Double Cash Card

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One offers better cash back, but the other has a signup bonus.

The Chase Freedom Unlimited® credit card 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.

Chase Freedom Unlimited® credit card

Chase Freedom Unlimited® credit card

Citi® Double Cash Card

Citi® Double Cash Card

finder.com's rating

★★★★★

4.2 / 5.0

★★★★★

3.4 / 5.0
Welcome bonus

Earn $150 cash back after spending $500 in the first 3 months

None
Rewards

Earn 1.5% cash back

1% cash back on everything you buy and another 1% as you pay for your purchases

Purchase APR (annual percentage rate)

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

15.24% to 25.24% variable

Annual fee $0 $0
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 15.24% to 25.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance

APR: 26.74% variable

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

APR: 27.24% variable

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

Late payment fee $38 $35
Additional cardholder fee $0 $0
Interest-free period 21 days 23 days
Minimum interest $0 $0.5
Minimum credit score 690 720
Card type Credit Credit
Rates and Fees Rates & Fees Rates & Fees
Learn more

Which card should you choose?

Chase Freedom Unlimited® credit card

Chase Freedom Unlimited® credit card

  • No annual fee
  • Unlimited cash back
  • Zero fraud liability

The Chase Freedom Unlimited® credit card is fairly similar to the Citi® Double Cash Card because it offers flat cash back. Its main differentiators are a signup bonus and an intro APR on purchases, which its competitor doesn’t offer. To get the $150 signup bonus, you'll have to spend at least $500 within the first 3 months of card membership.

Citi® Double Cash Card

Citi® Double Cash Card

  • 1% cash back, then another 1%
  • Balance transfer intro APR
  • No annual fee

As long as you pay off your purchases, the Citi® Double Cash Card offers a better rewards rate than the Chase Freedom Unlimited® credit card does. You’ll receive 1% cash back on all purchases and another 1% as you pay them off. Citi also periodically offers an excellent balance transfer intro APR.

What’s next?

The Citi® Double Cash Card offers stronger cash back as long as you pay off your purchases. However, the Chase Freedom Unlimited® credit card comes with a healthy 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 cash back credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
680
0%
1.5
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
680
0%
1
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
95
0%
1
Unsecured
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
99
1
Unsecured
$0 to $99
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchase, terms apply.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Earn more cash back for the things you buy most.
680
1
Unsecured
$0
16.99%, 22.74% or 25.74% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers

Compare more credit cards

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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