Chase Freedom Unlimited vs Citi Double Cash: Which Is Better in 2026?
Our Verdict
Choose Chase Freedom Unlimited if you want bonus categories and Chase ecosystem access. Choose Citi Double Cash for the simplest flat 2% everywhere.
Chase Freedom Unlimited®
Chase
3.7/5
Annual Fee:$0
APR:20.49%-29.24% variable
Welcome Bonus: $300 bonus cash back after spending $500 in the first 3 months
Rewards: 6.5% Chase Travel, 4.5% dining/drugstores (first year), then 5%/3%/3%/1.5%
Two heavyweight flat-rate cash back cards compete for a spot in your wallet. Here is how Chase Freedom Unlimited and Citi Double Cash stack up on rewards, fees, and flexibility.
FAQ
Which card earns more cash back?▼
It depends on your spending. Citi Double Cash earns a flat 2% everywhere. Chase Freedom Unlimited earns 1.5% base but 5% on travel through Chase and 3% on dining and drugstores.
Do either have welcome bonuses?▼
Chase Freedom Unlimited typically offers a welcome bonus. Citi Double Cash generally does not.
Can I transfer points with either card?▼
Chase Freedom Unlimited points can be transferred to travel partners if you also hold a Chase Sapphire card. Citi Double Cash points convert to ThankYou Points.