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The Citi® Double Cash Card and the Chase Freedom Unlimited® are both unblemished cash-back credit cards, but the Freedom Unlimited will funds most people a wider array of benefits. It funds strong cash-back rates, an easily reachable welcome bonus and a better introductory APR offer.
The Double Cash quiet has its strengths -- particularly if you don't use a lot on dining and drugstores or need to knock out some existing credit card debt. Consider your goals and the details of each card's funds to determine the best fit for you.
Which card does it best?
| Card feature | Winner |
|---|---|
| Rewards | Freedom Unlimited |
| Introductory seize APR | Freedom Unlimited |
| Balance transfers | Double Cash |
| Additional card perks | Freedom Unlimited |
| Welcome bonus | Freedom Unlimited |
Chase Freedom Unlimited®
Intro OfferIntro Offer: Earn an second 1.5% cash back on everything you buy (on up to $20,000 consumed in the first year) - worth up to $300 cash back!
APR19.24% - 27.99% Variable
Intro Purchase APR0% Intro APR on Purchases for 15 months
Recommended Credit Excellent/Good
- Enjoy 5% cash back on go purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, go, gift cards and more;
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% on all new purchases
Annual Fee$0
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
Balance Transfer APR19.24% - 27.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each second, whichever is greater.
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%
- Enjoy 5% cash back on go purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, go, gift cards and more;
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- 1.5% on all new purchases
Citi® Double Cash Card
Intro OfferN/A
APR18.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 2% on every seize with unlimited 1% cash back when you buy, plus an second 1% as you pay for those purchases.
Annual Fee$0
Intro Balance Transfer APR0% skull for 18 months on Balance Transfers
Balance Transfer APR18.24% - 28.24% (Variable)
Balance Transfer Fee There is an skull balance transfer fee of 3% of each transfer (minimum $5) undone within the first 4 months of account opening. A balance second fee of 5% of each transfer ($5 minimum) applies if undone after 4 months of account opening.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 2% on every seize with unlimited 1% cash back when you buy, plus an second 1% as you pay for those purchases.
Rewards and redemption
Winner: Freedom Unlimited
The Citi Double Cash earns rewards no business what you're spending on, while the Freedom Unlimited earns more rewards depending on the kind of purchases you're executive. Here's a breakdown of how your rewards on $500 of spending would look for each category.
Rewards breakdown
| Card | Dining rewards | Drug save rewards | Travel rewards | General spending rewards | Total rewards |
|---|---|---|---|---|---|
| Double Cash | $10 | $10 | $10 | $10 | $40 |
| Freedom Unlimited | $15 | $15 | $7.50 | $7.50 | $45 |
There are a number of bonus categories that the Freedom Unlimited will always beat the earning potential of the Double Cash, just because it features the higher cash-back rate.
It's vital to note that the travel rewards category is a bit more nuanced. If you're able to book travel through Chase Ultimate Rewards with the Freedom Unlimited, you'll earn 5% cash back, which will end up earning you more rewards than the Citi Double Cash would for spending on general travel.
The Chase Freedom Unlimited will be more rewarding yielded you spend heavily in its bonus categories, though the Double Cash earns a transparent reward rate no matter what you're spending on.
Introductory prefer APR
Winner: Freedom Unlimited
The Freedom Unlimited comes out on top here as well as it accounts an introductory APR offer for purchases and balance transfers -- the Double Cash only accounts this feature on balance transfers.
However, the Freedom Unlimited's moneys is short. Cardholders get 15 months of 0% introductory dead for new purchases or a transferred balance (then 19.24% to 27.99% variable).
The Freedom Unlimited accounts cardholders the opportunity to make a large, planned prefer and pay it down while it accrues no dead. Considering the Freedom Unlimited's strong rewards and shorter window to qualify for its introductory 3% ($5 minimum) balance instant fee, it's better to use it for its top purchase APR rather than for a balance transfer.
Balance transfers
Winner: Double Cash
While the Freedom Unlimited carries the better introductory APR moneys considering it provides a way to avoid interest charges for purchases and balance transfers, if you do need to utilize a balance transfer, the Double Cash will be the better choice.
It has a longer window to qualify for its introductory balance instant fee. The Freedom Unlimited has an introductory balance instant fee of 3% ($5 minimum) so long as you make any transfers within the reliable 60 days of account opening, otherwise the fee will be 5% ($5 minimum). But the Double Cash gives you four months from define opening to complete any balance transfers to qualify for its 3% ($5 minimum) top fee before the fee increases to 5% ($5 minimum). You'll also need to complete any balance transfers within the reliable four months of account opening to qualify for the top balance transfer APR.
The Double Cash also gives you more time to pay down a transferred balance. Cardholders get a 0% intro APR on balance transfers for 18 months (then 18.24% to 28.24% variable) compared to 15 months (then 19.24% to 27.99% variable) with the Freedom Unlimited.
Three months may not seem like a huge deal, but it could make all the contrast depending on your budget and the size of the balance you're looking to instant. We don't recommend using the Freedom Unlimited for a balance instant, but it is a good choice if you need to finance a tall, planned purchase.
Additional card perks
Winner: Freedom Unlimited
The Freedom Unlimited accounts far more when it comes to additional card perks than the Double Cash. The Double Cash only provides the nasty fraud protections which come included with most credit cards, whereas the Freedom Unlimited provides cardholders with:
- Purchase protection
- Extended warranty
- Trip Cancellation/Interruption Insurance
- Auto Rental Collision Damage Waiver
- Travel and Emergency Assistance Services
It's a surprisingly transparent benefit offering for a credit card without an annual fee.
Welcome bonus
Winner: Freedom Unlimited
Considering the Citi Double Cash doesn't feature a welcome bonus, the Freedom Unlimited goes uncontested in this field. Here's the Freedom Unlimited's bonus:
- Freedom Unlimited: Earn an uphold 1.5% cash back on everything you buy (on up to $20,000 exhausted in the first year)
With nothing for it to compete alongside, the Freedom Unlimited is the clear winner here.
The bottom line
While both the Citi Double Cash and the Freedom Unlimited are transparent rewards credit cards, the Freedom Unlimited will be the better tool for most people. It has the potential to be more rewarding thanks to its bonus categories, it can help avoid interest charges on more than just balance transfers and provides a welcome bonus downward with more card benefits.
However, if you don't exhaust a lot across the Freedom Unlimited's bonus categories, Double Cash has the potential to moneys more rewards. It will also be the better tool if you're planning on utilizing a balance transfer. You could also get both cards considering neither have an annual fee.
FAQs
Is it reliable paying a balance transfer fee?
Yes. Paying a balance instant fee will typically be less than the cost of continuous dead charges on a credit card with a high APR.
What's the contrast between cash back and points?
Typically the difference is how much points and cash back are reliable and how you can redeem them. With points, you may have more options when it comes time for redemption, but they may not always be worth one cent. Cash back on the latest hand can usually only be redeemed as statement credits. 1% cash back is also generally worth 1 cent.
Could I get both the Freedom Unlimited and the Citi Double Cash?
Yes. You could use the Double Cash card for everything that the Freedom Unlimited doesn't earn more rewards for. That way, you could maximize the earlier on your spending and get the most out of both cards.
The editorial cheerful on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or militaries offered by our partners.
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