Chase Freedom Unlimited® vs Citi Double Cash® Card
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick JC Chase Freedom Unlimited® JPMorgan Chase 100/100 | C Citi Double Cash® Card Citibank 99/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Rewards rate | 1.5%–5% | 2% |
| Annual fee | $0 | $0 |
| Regular APR | 18.24%–27.74% | 17.49%–27.49% |
| Bonus | $200 | $200 |
| Annual fee | $0 | $0 |
| Best for | Cardholders who want cash back that fits their spending | Cardholders who want cash back that fits their spending |
| View profile | View profile |
Which should you choose: the Chase Freedom Unlimited® or the Citi Double Cash® Card?
The Chase Freedom Unlimited® is the stronger pick of the two, with a money8020 score of 100/100 versus 99. Choose the Citi Double Cash® Card instead if cardholders who want cash back that fits their spending.
On rewards rate, the Chase Freedom Unlimited® shows 1.5%–5% versus the Citi Double Cash® Card's 2%. On regular APR, the Chase Freedom Unlimited® shows 18.24%–27.74% versus the Citi Double Cash® Card's 17.49%–27.49%. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Chase Freedom Unlimited® vs Citi Double Cash® Card: FAQ
Is the Chase Freedom Unlimited® or the Citi Double Cash® Card better?
By our scoring, the Chase Freedom Unlimited® edges ahead with a money8020 score of 100/100 versus 99. The Citi Double Cash® Card can still be the better fit if cardholders who want cash back that fits their spending.
What is the main difference between the Chase Freedom Unlimited® and the Citi Double Cash® Card?
On rewards rate, the Chase Freedom Unlimited® offers 1.5%–5% while the Citi Double Cash® Card offers 2%. Review the full table above and confirm current terms with each provider. This is not financial advice.