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
|
Citi® Double Cash Card
|
Chase Freedom®
|
|---|---|
|
★★★★★ 3.4 / 5.0 |
★★★★★ 4.4 / 5.0 |
| None | Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening |
|
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. |
|
15.49% to 25.49% variable |
0% intro APR for 15 months, and then 16.99% to 25.74% variable |
| $0 | $0 |
|
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 |
|
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 |
| $35 | $38 |
| $0 | $0 |
| 23 days | 21 days |
| $0.5 | $0 |
| 670 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
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®
- $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®
