Chase Freedom Unlimited vs. Citi Double Cash

John Kiernan, Personal Finance Editor

on March 15, 2021

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.

Chase Freedom Unlimited® and Citi Double Cash are two of the most popular cash back credit cards on the market. But there are a few differences between the two, and applicants should weigh those against their own spending habits to determine which to apply for.

We also have some recommendations to get you started, based on our analysis of the two offers.

For maximum cash back and greater flexibility when paying down high-interest debt, choose the Citi Double Cash card.
For features such as bonus rewards and short-term interest-free new purchases financing, go with the Chase Freedom Unlimited card.

Each card comes with its share of downsides, too. Down the road, Freedom Unlimited and Double Cash will prove costly if you don’t pay the full balance due each billing period. And if you’re traveling abroad, both cards are better left at home.

If you’re still undecided, let’s take a closer look at Chase Freedom Unlimited® vs Citi® Double Cash Card – 18 month BT offer based on rewards, rates and fees to get a better idea of how these two cards stack up against each other.

SIDE BY SIDE COMPARISON

Ad Disclosure

	Citi® Double Cash Card – 18 month BT offer Sponsored Card (1,897) Apply Now	Chase Freedom Unlimited® Sponsored Card (650) Apply Now
General
Network	Mastercard	VISA
Credit Card Company	Citibank	Chase
Min Credit Required	Excellent or Good	Excellent or Good
Annual Fee	$0	$0
Purchases
Intro APR	N/A	0%
Intro APR Period	N/A	15 months
Regular APR	13.99% - 23.99% (V)	14.99% - 23.74% (V)
Transfers
Intro APR	0%	N/A
Intro APR Period	18 months	N/A
Regular APR	13.99% - 23.99% (V)	14.99% - 23.74% (V)
Transfer Fee	3% (min $5)	Either $5 or 5% of the amount of each transfer, whichever is greater
Rewards
Reward Type	Cash Back	Cash Back
Reward Bonus	N/A	$200
Reward Details	Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all other purchases. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Penalties
Max Late Fee	$40	See Terms
Max Overlimit Fee	None	See Terms
Max Default APR	29.99% (V)	None
Cash
Cash APR	25.24% (V)	24.99% (V)
Cash Advance Fee	5% (min $10)	Either $10 or 5% of the amount of each transaction, whichever is greater.
Other
Additional Info	Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. Balance Transfers do not earn cash back. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.	No annual fee. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
One-time Setup Fees	None	None
Foreign Transaction Fee	3%	3% of each transaction in U.S. dollars
Grace Period	23 days	See Terms

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.