Citi® Double Cash Card vs. Chase Freedom®

Choose between flat-rate and rotating cash back.

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Please note: Citi is an advertising partner of finder.com

Both cards have $0 annual fees. However, the Citi® Double Cash Card is a flat-rate cashback card, offering 1% cash back on all purchases and another 1% as you pay them off. Meanwhile, the Chase Freedom® is a rotating-bonus-category card, offering 5% cash back on up to $1,500 in combined bonus spending in different categories each quarter, then 1%.

Citi’s card is superior for balance transfers, offering 0% intro APR on balance transfers for 18 months, then 13.99% to 23.99% variable. However, Chase’s card offers a signup bonus as well as an intro APR on both purchases and balance transfers.

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees

Chase Freedom®

Chase Freedom®

finder.com's rating
finder.com's rating

★★★★★

3.8 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Highest unlimited cash back
  • Long intro APR period and cash back in rotating categories
Welcome offer
Welcome offer

N/A

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

Rewards
Rewards

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

Purchase APR
Purchase APR

13.99% to 23.99% variable

0% intro APR for 15 months, and then 16.49% to 25.24% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 18 months, then 13.99% to 23.99% variable

0% intro APR for 15 months, then 16.49% to 25.24% variable

Cash advance
Cash advance

APR: 25.24% variable

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

APR: 26.49% 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 $40 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Which card should you choose?

Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

Chase Freedom®

Chase Freedom®

  • Easy-to-earn cash signup bonus
  • Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
  • Intro APR on purchases and balance transfers

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® might be more your style.

Not sure about either product? Compare other cashback cards below.

Compare cashback credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
Blue Cash Everyday® Card from American Express
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 12.99% to 23.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Blue Cash Preferred® Card from American Express
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 12.99% to 23.99% variable)
$95
6% cash back at US supermarkets. Rates & fees

Compare up to 4 providers

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site