Chase Freedom Unlimited vs Citi Double Cash
A side-by-side breakdown of fees, welcome offers, earning rates and travel perks — so you can see which card is worth it for how you actually spend.
| Annual fee | $0 | $0 |
|---|---|---|
| Welcome offer | $200 cash back after spending $500 in 3 months | No welcome bonus |
| Rewards rate | 5% on travel purchased through Chase, 3% on dining and drugstores, 1.5% on everything else | 2% on all purchases (1% when you buy, 1% when you pay) |
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| Key benefits |
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| Card network | — | — |
| Foreign transaction fee | None | None |
| Recommended credit | Good to Excellent (670–850) | Good to Excellent (670–850) |
Chase Freedom Unlimited
Citi Double Cash
Common questions
Is the Chase Freedom Unlimited or Citi Double Cash better?
Chase Freedom Unlimited suits everyday spending, while Citi Double Cash is stronger for everyday spending. The Chase Freedom Unlimited carries a $0 annual fee versus $0 for the Citi Double Cash, so the right pick depends on how much of each card's credits you'll actually use.
What is the annual fee on each card?
The Chase Freedom Unlimited has a $0 annual fee. The Citi Double Cash has a $0 annual fee. Weigh that against each card's annual credits — a higher fee often nets out lower once you use the travel and dining credits.