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In the increasingly crowded market of cash-back credit cards, two popular cards stand out from the pack. The Chase Freedom Unlimited® and the Citi Double Cash® Card both offer solid cash-back earnings and bonus offers for new cardholders, and neither card charges an annual fee.
- Chase Freedom Unlimited®: 1.5% back on purchases, with extra cash back on purchases at restaurants, drugstores and travel purchased through Chase. (And on qualifying Lyft services.)
- Citi Double Cash® Card: 2% cash back on purchases (1% back for every dollar spent, 1% back for every dollar paid off), with extra cash back on certain travel bookings through Citi.
If you rarely eat at restaurants and are hunting simplicity, the Citi Double Cash® Card may be the better choice.
But if you’re a big spender on restaurants and can take advantage of the Chase card’s other bonus-reward categories, like drugstores and travel booked through Chase, it will be the better pick. In the end, the Chase Freedom Unlimited® offers more chances for outsize rewards in categories that fit the lifestyles of many people.
Here's how to decide which is right for you.
At a glance
| Chase Freedom Unlimited® | Citi Double Cash® Card | |
|---|---|---|
| Annual fee | $0. | $0. |
| Sign-up bonus | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. |
| Rewards |
|
|
| APR | 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR. | 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 17.49%-27.49% Variable APR. |
| Foreign transaction fee | 3%. | 3%. |
Why the Chase Freedom Unlimited® is better for optimizers
Bonus categories ...
The Chase Freedom Unlimited® offers several bonus categories:
- 5% back on travel booked through Chase.
- 3% back at restaurants, including takeout and eligible delivery services.
- 3% back on drugstore purchases.
- Through September 2027, 2% back on qualifying Lyft services purchased through the Lyft app.
Bonus categories are tricky. They’re very valuable if you spend a lot of money at those places, but worthless if you don’t. The restaurants category is a highly useful one for most people and really boosts the card’s overall value.
... Plus a solid fixed rate for 'everything else'
A lot of spending doesn’t fit neatly into bonus-rewards categories, like restaurants or drugstores. On other cards that feature bonus categories, that “everything else” spending typically earns 1% back.
But the Chase Freedom Unlimited® is unusually good because it offers 1.5% back on everything else.
So that means you’re earning 50% more than usual while spending at such places as doctor offices, fitness clubs and routine monthly bills that accept credit cards.
When it comes to rewards, it boils down to whether the 3% and 5% bonus categories on the Chase Freedom Unlimited® will make up for the difference between that card's 1.5% base earnings rate and the 2% base earnings rate on the Citi Double Cash® Card. Use our calculator to estimate your rewards in a typical year.
A 0% intro APR on purchases
The Chase Freedom Unlimited® offers a no-interest promotion for new cardholders: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR.
On the other hand, the Citi Double Cash® Card doesn't offer a 0% APR on new purchases. If you're looking to make a large purchase and want some breathing room to pay it off over time, the Chase Freedom Unlimited® is the card you want.
The Citi Double Cash® Card does have a special intro offer for balance transfers: 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 17.49%-27.49% Variable APR. But the Chase Freedom Unlimited® does, too.
» MORE: Best 0% APR credit card offers
🤓 Nerdy Tip
If you’ll use the APR balance-transfer offer, having an offer on purchases too is important because of one factor: grace period. After you transfer a balance to the Citi Double Cash® Card, purchases you charge to the card will begin accruing interest immediately. You won’t have a credit card grace period, even if you pay off your new purchases in full. You only get the grace period back if you also completely pay off the balance-transfer amount. That’s why many other cards, including the Chase Freedom Unlimited®, feature an intro APR offer, often for the same number of months, for both balance transfers and purchases. Flexibility of rewards
The Chase Freedom Unlimited® is considered a cash-back card, but technically it earns Chase Ultimate Rewards® points. That’s significant if you want to use a strategy to earn those points and transfer them to another Chase credit card that can give you bigger value.
When paired with a premium card like the Chase Sapphire Preferred® Card, points can be redeemed for travel through Chase — potentially for greater value — or transferred to travel partners like United, Southwest, Marriott, Hyatt, IHG and JetBlue. A card-pairing strategy like this is referred to as the "Chase trifecta."
To be fair, Citi has its own version of the strategy, the "Citi trifecta." Pairing the Citi Double Cash® Card with a premium card like the Citi Strata Premier® Card can help you maximize your earnings, and it can also grant you more valuable transfer ratios to Citi's multiple travel partners.
But unlike with Chase, there's no potential for greater point value by booking travel directly via Citi. Plus, Citi's list of transfer partners lacks the major household hotel names that Chase includes.
🤓 Nerdy Tip
Technically, rewards earned on the Citi Double Cash® Card appear in a cardholder's account as Citi ThankYou points, but that will not affect your ability to earn or redeem cash back. You'll earn 1 point per $1 spent and 1 point per $1 paid off. Points are worth 1 cent apiece when redeemed for cash back, meaning you'll still get 2% cash back on purchases. Who might prefer the Citi Double Cash® Card
People who want low maintenance
If you prefer credit cards that are just easy, then the Citi Double Cash® Card is probably the better fit.
It offers a cumulative 2% cash back on purchases (1% when you make the purchase and 1% when you pay it off). That's high for a flat-rate card, and it means you don’t have to worry about where you’re making purchases. You earn the same rewards no matter what you’re buying.
By contrast, the “everything else” category on the Chase Freedom Unlimited® is 1.5%. (But you have to also consider its sign-up bonus and bonus-rewards categories.)
Those looking for a long intro balance-transfer period
The Citi Double Cash® Card could be a slightly better tool for helping to delay payments on existing debt.
Again, it offers a 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 17.49%-27.49% Variable APR. That's among the lengthiest balance transfer offers on the market.
The Chase Freedom Unlimited® offers a shorter 0% promotional APR window on balance transfers (although it has the advantage of the promotional APR on new purchases mentioned previously).
Which card should you get?
For simple cash back, the Citi Double Cash® Card is among the best cards to consider.
But you could probably wring more cash-back dollars from the Chase Freedom Unlimited®, especially if you dine out a lot and can use its other bonus categories. When you add in the new cardholder bonus, it's a clear choice for most cardholders.
