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

Chase Freedom Unlimited® 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® 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®

Chase Freedom Unlimited®

Citi® Double Cash Card

Citi® Double Cash Card

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★★★★★

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 3% cash back on all purchases in first year up to $20,000 spent, then 1.5% cash back on all purchases None
Rewards
Rewards

3% cash back on all purchases in first year up to $20,000 spent, then 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 17.24% to 25.99% 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 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

Cash advance
Cash advance

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

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

Which card should you choose?

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • No annual fee
  • 3% cash back offer for first year on up to $20,000, then unlimited 1.5% cash back
  • 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 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®

Compare cash back credit cards

Name Product Filter values Rewards Purchase APR Annual fee
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 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
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 15.24% to 26.24% 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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