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Chase Freedom Unlimited vs. Citi Double Cash Card: Why You'll Earn More with Freedom


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Updated February 18, 2024

If cash back rewards are at the top of your priority list for credit cards, the card_name and the card_name are worth a look. You don’t have to pay an annual fee with either card, and both come with attractive introductory APR offers. Still, card_name comes out on top due to its earning potential. Plus, it offers a generous welcome bonus you won’t get with the card_name.

How the cards stack up

Here’s a quick look at what each card offers:

Bonus rewards
Annual fees
Regular APR
Foreign transaction fees

Welcome bonus

card_name does not offer a new cardholder incentive. However, card_name offers the following:

  • bonus_miles_full
  • With the card_name, you can bonus_miles_full

Welcome bonus winner: card_name


card_name keeps it simple for cardholders with its flat-rate rewards system where they can bonus_miles. Still, you can get even more out of card_name’s rewards program. Although it pays just 1.5% cash back on everyday purchases, you can earn 3% cash back on dining and drugstore purchases and 5% on travel booked through Chase Ultimate Rewards.

Rewards winner: card_name

Annual fee

Neither card charges an annual fee.

Annual fee winner: Tie


card_name features a longer promotional APR period. However, it only applies to balance transfers.

card_name cardholders get a intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration. However a foreign_transaction_fee fee applies to each balance transfer, making this benefit a better deal for purchases.

APR winner: card_name

Foreign transaction

Cardholders pay a 3% foreign transaction fee with both cards.

Foreign transaction fee winner: Tie

Additional perks

card_name offers a host of added perks to cardholders, including:

  • An annual referral bonus of up to $500.
  • Purchase, extended warranty and zero liability protections.
  • Rental car collision damage waivers.
  • Trip interruption and cancellation insurance.
  • Lyft, DoorDash and Instacart discounts.
  • Free weekly credit score updates with Chase Credit Journey.

The incentives the card_name offers don’t quite compare. You’ll get exclusive access to entertainment experiences and standard fraud protection against unauthorized charges. However, there isn’t much more that comes with this card in terms of added perks.

Additional perks winner: card_name

Which card earns the most?

It depends on your spending patterns. Below is a breakdown of how much you’d earn if you spent $750 in each category:

General travelDrugstoreDiningAll other purchasesTotal cash back earned
Chase Freedom Unlimited®

Generally speaking, you can earn more cash back with card_name as there are more bonus categories. Furthermore, this table accounts for the 1% earned after the purchase is repaid, so card_name offers a higher reward of 1.5% at the time of purchase.

The table also excludes earnings for travel booked through Chase Rewards. Using the same spending figure of $750, you’d earn an additional $37.5 in cash back rewards. But as shown above, you’d only earn $15 with the card_name.

Our recommendations

Why we recommend publisher-pdp-url


card_name’s welcome bonus, generous rewards program and added perks make it the better option. Your earning potential is greater if you travel or dine out a lot. And when you consider the welcome bonus for new cardholders, it’s the obvious choice to maximize your cash back rewards.

Why you would still opt for card_name

card_name could work if you prefer a card with a simple rewards program. You’ll get 2% cash back on all purchases: 1% when you make the purchase and 1% when you repay it. This alleviates the stress of having to make purchases in specific categories to maximize earnings.

It’s also ideal if you’re looking to consolidate debt. You’ll get a slightly longer promotional interest period of 18 months compared to the 15 months offered with card_name. The card_name has a BT chage of balance_transfer_fees while the card_name has an balance_transfer_intro_apr,balance_transfer_intro_duration, making card_name the better choice for balance transfers.

Bonus categories vs. flat rate

card_name and the card_name are at the top of the cash back rewards cards list. The best fit for you depends on your spending habits. Still, card_name is more appealing due to its bonus categories and welcome cash back offer.

If you’d prefer a flat-rate earning system, the card_name could be a good fit. And if you plan to do a balance transfer, you could save a bundle in interest.

Ultimately, you can’t go wrong with either card. And you won’t pay an annual fee regardless of which you choose.

Frequently asked questions (FAQs)

Is the card_name hard to get?

card_name generally requires a good or excellent credit score: 700 or higher. You’ll also need to demonstrate you have a sizable amount of steady income.

What is the max credit limit on card_name?

Some cardholders have reported credit limits of up to $14,000. However, Chase does not disclose minimum and maximum credit limits for card_name.

*APR is current as of April 13, 2023. APR is variable and changes often. Check with your credit card provider for the latest APR.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.