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Citi Double Cash vs Chase Freedom Unlimited
The short answer
- Both cards have the same annual fee ($0).
- At our point valuations the Citi Double Cash earns more on groceries, travel, gas, everything else.
- The Chase Freedom Unlimited earns more on dining.
Side by side
| Citi Double Cash | Chase Freedom Unlimited |
|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 after $1,500 in 6 months (≈ $200) | 20,000 after $500 in 3 months (≈ $200) |
| Earns on dining | 2x (≈ 2%) | 3x (≈ 3%) |
| Earns on groceries | 2x (≈ 2%) | 1.5x (≈ 1.5%) |
| Earns on travel | 2x (≈ 2%) | 1.5x (≈ 1.5%) |
| Earns on gas | 2x (≈ 2%) | 1.5x (≈ 1.5%) |
| Earns on everything else | 2x (≈ 2%) | 1.5x (≈ 1.5%) |
| Rewards | Citi ThankYou | Chase Ultimate Rewards |
| Network | Mastercard | Visa |
| KritScore | — | 69 |
| Highlights | No annual fee · 2% cash back on everything · 5% on hotels & cars via Citi Travel · Points transfer with a Strata Premier | No annual fee · 1.5% back on everything · 3% dining and drugstores · Points transfer with a Sapphire card · 0% intro APR for 15 months |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Citi Double Cash better than the Chase Freedom Unlimited?
Both cards have the same annual fee ($0). At our point valuations the Citi Double Cash earns more on groceries, travel, gas, everything else. The Chase Freedom Unlimited earns more on dining.
What is the annual fee on the Citi Double Cash and the Chase Freedom Unlimited?
The Citi Double Cash: no annual fee. The Chase Freedom Unlimited: no annual fee.
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