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

Citi® Double Cash Card vs. Chase Freedom®

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Choose between flat and rotating cash back.

The Citi® Double Cash Card and Chase Freedom® are both no-annual-fee products. However, they’re different in important respects — namely, the cash back they offer.

Our pick for rotating cash back

Chase Freedom®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99 to 25.74%
  • Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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Promoted

Citi® Double Cash Card

Citi® Double Cash Card

Chase Freedom®

Chase Freedom®

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

★★★★★

3.4 / 5.0

★★★★★

4.4 / 5.0
Welcome offer
Welcome offer None Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Rewards
Rewards

Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases

Earn 5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1%. Earn 1% cash back on all other purchases.

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

15.49% to 25.49% variable

0% intro APR for 15 months, and then 16.99% to 25.74% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 0% intro APR for 18 months, then 15.49% to 25.49% variable

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

APR: 0% intro APR for 15 months, then 16.99% 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: 26.99% variable

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

Late payment fee
Late payment fee $35 $38
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.5 $0
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

Read review

Which card should you choose?

Citi® Double Cash Card

Citi® Double Cash Card

  • No annual fee
  • Intro APR on balance transfers for the first 18 months
  • Earn 1% cash back when you make purchases
  • Earn an additional 1% cash back when you pay off your card

The Citi® Double Cash Card is one of the best cashback cards on the market, with simple and strong rewards. You’ll earn unlimited Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases
Citi periodically offers a balance transfer intro APR that makes the card competitive with other balance transfer products.

Chase Freedom®

Chase Freedom®

  • $150 signup bonus
  • Up to 5% cash back on rotating categories
  • Intro APR on purchases and balance transfers

The Chase Freedom® 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® might be more your style.

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

Compare Citi® Double Cash Card vs. Chase Freedom Unlimited®

Compare cashback credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$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
$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
$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. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.
$0
15.49% to 25.49% variable
0% for the first 18 months (then 15.49% to 25.49% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

Compare more cashback credit cards

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APR

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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