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.
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Chase Freedom Unlimited® credit card
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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
- 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
- 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.
