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Chase Freedom Unlimited vs Citi Double Cash Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom UnlimitedChase | Citi Double Cash CardCiti |
|---|---|---|
| Rating | 4.6/5 | 4.5/5 |
| Annual Fee | $0 | $0 |
| APR | 18.24% - 27.74% | 17.49% - 27.49% |
| Signup Bonus | $250 bonus after spending $500 in 3 months | $200 cash back after spending $1,500 in 6 months |
| Rewards Rate | 5% on travel via Chase, 3% on dining & drugstores, 1.5% on everything else | 2% on everything (1% on purchase + 1% on payment), 5% on hotels/cars/attractions via Citi Travel |
| Credit Score | good | good |
| Pros | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers | Flat 2% cashback on everything — no categories to track 5% on hotels, car rentals, and attractions via Citi Travel 18-month 0% intro APR on balance transfers |
| Cons | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks | 3% foreign transaction fee No additional perks or insurance Must pay at least minimum due to earn the second 1% |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the Citi Double Cash Card (4.5/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.