Citi Double Cash® Card
vs. Chase Freedom Unlimited®

When it comes to maximizing cash back rewards, the Citi Double Cash Card and Chase Freedom Unlimited are both appealing cards. They share having no annual fees and generous cash back programs. Comparing Citi Double Cash Card and. Chase Freedom Unlimited, the Citi Double Cash edges ahead with its straightforward 2% cash back on all purchases — 1% when you buy and another 1% as you pay for those purchases.

However, the Chase Freedom Unlimited offers a 0% intro APR offer and the potential for a high cash back rate in specific categories. Both cards cater to the same credit score range, so accessibility is a draw. Ultimately, the best card for you hinges on whether you value simplicity in earning rewards or the flexibility to earn more in certain categories.

You might prefer the Freedom Unlimited if you dine out frequently or spend on drugstore items and travel, as you'll benefit from higher cash back rates in these categories. Additionally, if you're planning significant purchases or need to transfer a balance, the 0% intro APR for 15 months could provide valuable savings. The introductory offer also rewards higher spending in the first year, maximizing cash back for those who use their card extensively.

You might prefer the Citi Double Cash if you value simplicity in your rewards program, with a consistent 2% cash back on all purchases — 1% when you buy and another 1% as you pay off those purchases. This card is also beneficial if you're looking for a longer balance transfer option, offering 0% intro APR for 18 months on balance transfers, which can help manage existing debt more effectively over a longer period.

Evaluating APRs, fees, credit requirements, rewards and other features side by side clarifies which card aligns with your financial habits. For instance, if you plan to carry a balance, the Freedom Unlimited's introductory APR offer might be appealing, whereas the Citi Double Cash's higher cash back rate could be more beneficial for those who pay in full each month.

The Citi Double Cash Card simplifies earning with a flat 2% cash back on all purchases — 1% when you buy and another 1% as you pay. This is helpful for those who value a straightforward rewards structure without having to track bonus categories.

The Freedom Unlimited has higher rewards rates in specific categories. It offers 3% back on dining and drugstore purchases and an impressive 5% on travel booked through Chase, which can be particularly lucrative for frequent diners and travelers. While both cards have no annual fee, the Freedom Unlimited's bonus categories may provide more value for targeted spending, despite its lower 1.5% rate on non-bonus purchases.

Following this section, you'll find a detailed table of bonus categories to help you compare the rewards programs of both cards.

Moving from how you earn rewards to how you can use them, both the Freedom Unlimited and Citi Double Cash offer flexible redemption options and no expiration on rewards. Freedom Unlimited allows redemption for cash back, travel, and more, with no minimums. Citi Double Cash provides cash back or ThankYou Points for various rewards, ensuring your spending pays back in a way that suits your needs.

MoneyGeek reviews credit cards like the Citi Double Cash and Chase Freedom Unlimited based on their performance. For this comparison, both cards are assessed in the 'cash back' category, where they have shown the highest scores.

The evaluation includes factors such as the effective reward rate, which carries the most weight and the return on investment for offers. Other considerations include annual fees, introductory purchase rates and issuer satisfaction.