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

Citi® Double Cash Card vs. Chase Freedom® credit card

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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.

Citi® Double Cash Card

Citi® Double Cash Card

Chase Freedom® credit 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

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

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.

Compare cashback credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
680
0%
1.5
Unsecured
$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. You will receive the cash back in the form of a statement credit. Rates & Fees
680
0%
1
Unsecured
$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
680
95
0%
1
Unsecured
$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
680
0%
1.5
Unsecured
$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.
680
99
1
Unsecured
$0 to $99
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchase, terms apply.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Earn more cash back for the things you buy most.
680
1
Unsecured
$0
16.99%, 22.74% or 25.74% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers

Compare more cashback credit cards

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