Choose between flat and rotating cash back.
The Citi® Double Cash Card and Chase Freedom® credit card are both no-annual-fee products. However, they’re different in important respects — namely, the cash back they offer.
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Citi® Double Cash Card
|
Chase Freedom® credit card
| |
|---|---|---|
| finder.com's rating |
★★★★★ 3.4 / 5.0 |
★★★★★ 4.4 / 5.0 |
| Welcome bonus | None |
Earn $150 cash back after spending $500 in the first 3 months |
| Rewards |
1% cash back on everything you buy and another 1% as you pay for your purchases |
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
|
| Purchase APR (annual percentage rate) |
15.24% to 25.24% variable |
0% intro APR for 15 months, and then 16.74% to 25.49% variable |
| Annual fee | $0 | $0 |
| Balance transfers |
APR: 0% intro APR for 18 months, then 15.24% to 25.24% variable Fee: $5 or 3% of the transaction, whichever is greater |
APR: 0% intro APR for 15 months, then 16.74% to 25.49% variable Fee: $5 or 5% of the transaction, whichever is greater |
| Cash advance |
APR: 27.24% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 26.74% variable Fee: $10 or 5% of the transaction, whichever is greater |
| Late payment fee | $35 | $38 |
| Additional cardholder fee | $0 | $0 |
| Interest-free period | 23 days | 21 days |
| Minimum interest | $0.5 | $0 |
| Minimum credit score | 720 | 690 |
| Card type | Credit | Credit |
| Rates and Fees | Rates & Fees | Rates & Fees |
| Learn more |
Which card should you choose?
Citi® Double Cash Card
- 1% cash back, then another 1%
- Balance transfer intro APR
- No annual fee
The Citi® Double Cash Card is one of the best cashback cards on the market, with simple and strong rewards. You’ll earn unlimited 1% cash back on everything you buy and another 1% as you pay for your purchases. Citi periodically offers a balance transfer intro APR that makes the card competitive with other balance transfer products.
Chase Freedom® credit card
- $150 signup bonus
- Up to 5% cash back on rotating categories
- Intro APR on purchases and balance transfers
The Chase Freedom® credit card has a signup bonus and intro APR on purchases, which the Citi® Double Cash Card doesn’t offer. It offers 5 cash back on up to $1,500 in combined purchases each quarter on rotating categories. Once that cap is reached, and on everything else you buy, you’ll earn 1% cash back.
What’s next?
If you want flat rewards, you might like the Citi® Double Cash Card. If you can keep up with rotating cashback categories, the Chase Freedom® credit card might be more your style.
Not sure about either product? Compare other cashback cards below.
