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Card comparison · Chase vs Citi

Chase Freedom Unlimited vs Citi Double Cash

The Chase Freedom Unlimited ($0 annual fee) ranks #111 and the Citi Double Cash ($0) ranks #35 of the 294 credit cards we score. Here they are side by side, from our card database.

By YourBest Editorial Team · Card data as of October 21, 2026 · How we score cards

Side by side

Chase Freedom UnlimitedCiti Double Cash
IssuerChaseCiti
Annual fee$0$0
Welcome offerEarn a $200 bonus after you spend $500 on purchases in the first 3 monthsEarn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Rewards
  • 1.5% cash back on all purchases
  • 3% dining/drugstore
  • 5% travel via Chase Travel
  • 1% cash back when you buy, plus 1% as you pay (2% total) on all purchases
Intro APRpurchases 15 months · balance transfers 15 monthsbalance transfers 18 months
Ongoing APR18.49%-27.99%18.49%–28.74%
Balance transfer fee3% intro (60 days), then 5%3% ($5 minimum)
Foreign transaction feeNone—
Our overall score54 (#111 of 294)62 (#35 of 294)
Cash back ranking#4 of 70#9 of 70
Dining ranking#26 of 67not in this list
0% intro APR ranking#21 of 46not in this list
Apply nowApply now

Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.

Which one fits you

  • Higher overall score: Citi Double Cash (62 vs 54). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
  • Same annual fee: $0 on both.
  • Cash back: Chase Freedom Unlimited ranks higher in our cash back ranking (#4 vs #9 of 70).
  • Dining: only Chase Freedom Unlimited is in our dining ranking (#26 of 67).
  • 0% intro APR: only Chase Freedom Unlimited is in our 0% intro APR ranking (#21 of 46).
  • 0% intro APR on purchases: Chase Freedom Unlimited (15 months; Citi Double Cash has none in our data).
  • Balance transfers: Citi Double Cash has the longer intro period (18 months vs 15).

How we compared them

Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.

Frequently asked questions

Is the Chase Freedom Unlimited better than the Citi Double Cash?

By our overall score the Citi Double Cash ranks higher (62 vs 54), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.

Which has the lower annual fee, Chase Freedom Unlimited or Citi Double Cash?

Both list $0.

What are the welcome offers on the Chase Freedom Unlimited and Citi Double Cash?

Chase Freedom Unlimited: Earn a $200 bonus after you spend $500 on purchases in the first 3 months. Citi Double Cash: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Offers change often; terms apply.

Which is better for everyday categories like dining, groceries or travel?

Cash back: Chase Freedom Unlimited ranks higher in our cash back ranking (#4 vs #9 of 70). Dining: only Chase Freedom Unlimited is in our dining ranking (#26 of 67). 0% intro APR: only Chase Freedom Unlimited is in our 0% intro APR ranking (#21 of 46).

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