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Citi® Double Cash Card vs. Chase Freedom®
Choose between flat-rate and rotating cash back.
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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.
Which card should you choose?
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®
- 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
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