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.

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
Best for
Best for
  • Highest unlimited cash back
  • Long intro APR period and cash back in rotating categories
Welcome offer
Welcome offer None $150 cash back after spending $500 in the first 3 months
Rewards
Rewards

1% cash back when you make purchases and 1% cash back when you pay off your card

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

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

15.74% to 25.74% variable

0% intro APR for 15 months, and then 17.24% to 25.99% variable

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

APR: 0% intro APR for 18 months, then 15.74% to 25.74% variable

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

APR: 0% intro APR for 15 months, then 17.24% to 25.99% variable

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

Cash advance
Cash advance

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

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $35 Up to $38
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 21 days
Minimum interest
Minimum interest $0.50 $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

Which card should you choose?

Citi® Double Cash Card

Citi® Double Cash Card

  • No annual fee
  • Long intro APR on purchases and balance transfers
  • 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®

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®

Compare cashback credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
1.5% cash back on all purchases
0% for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% for the first 12 months (then 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
18.24% to 25.24% variable
$0
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
0% for the first 15 months (then 17.24% to 25.99% variable)
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% for the first 15 months (then 17.24% to 25.99% variable)
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
11.99% to 17.99% variable
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.

Compare up to 4 providers

Compare more cashback credit cards

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