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
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Citi® Double Cash Card
|
Chase Freedom®
|
|---|---|
|
★★★★★ 3.4 / 5.0 |
★★★★★ 4.4 / 5.0 |
|
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| None | $150 cash back after spending $500 on purchases in the first 3 months |
|
1% cash back when you make purchases and 1% cash back when you pay off your card
|
5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1% after that and on all other purchases |
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15.74% to 25.74% variable |
0% intro APR for 15 months, and then 17.24% to 25.99% variable |
| $0 | $0 |
|
APR: 27.49% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 27.24% variable Fee: $10 or 5% of the transaction, whichever is greater |
| Up to $35 | Up to $38 |
| $0 | $0 |
| 23 days | 21 days |
| $0.50 | $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 1% cash back when you make purchases and 1% cash back when you pay off your card
Citi periodically offers a balance transfer intro APR that makes the card competitive with other balance transfer products.
Chase Freedom®
- $150 signup bonus
- Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
- 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®