Chase Freedom Unlimited vs Citi Double Cash® Card
Citi Double Cash® Card leads 4 profiles (Grocery-heavy · Gas-heavy · Travel-heavy · Everyday spending). The other card leads or ties the rest, so where you actually spend decides this comparison.
Fees and perks at a glance
Annual fees: Chase Freedom Unlimited $0 · Citi Double Cash® Card $0. Both cards carry the same annual fee.
Chase Freedom Unlimited Signup bonus: $200 bonus after $500 spend in 3 months
Citi Double Cash® Card Signup bonus: Earn $200 cash back after $1,500 in purchases in the first 6 months of account opening (fulfilled as 20,000 ThankYou Points)
Earn comparison by category
| Category | Chase Freedom Unlimited | Citi Double Cash® Card |
|---|---|---|
| Dining | 4.50%3x × 1.5¢ | 3.00%2x × 1.5¢ |
| Groceries | 2.25%1.5x × 1.5¢ | 3.00%2x × 1.5¢ |
| Gas / EV charging | 2.25%1.5x × 1.5¢ | 3.00%2x × 1.5¢ |
| Travel | 2.25%1.5x × 1.5¢ | 3.00%2x × 1.5¢ |
| Everything else | 2.25%1.5x × 1.5¢ | 3.00%2x × 1.5¢ |
| Flights via travel portals | 7.50%5x × 1.5¢ | 3.00%2x × 1.5¢ |
| Drugstores | 4.50%3x × 1.5¢ | 3.00%2x × 1.5¢ |
| Hotels via travel portals | 7.50%5x × 1.5¢ | 7.50%5x × 1.5¢ |
Verdict by spending profile
| Category | Chase Freedom Unlimited | Citi Double Cash® Card |
|---|---|---|
| Dining-heavy | 4.50% | 3.00% |
| Grocery-heavy | 2.25% | 3.00% |
| Gas-heavy | 2.25% | 3.00% |
| Travel-heavy | 2.25% | 3.00% |
| Everyday spending | 2.25% | 3.00% |
How is this comparison computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
This page compares the two cards' catalog earn rates only. Signup bonus amounts change over time, so they are not in the table.
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
This page compares two cards only. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best may differ.
Frequently asked questions
Chase Freedom Unlimited vs Citi Double Cash® Card: which one is better?
Citi Double Cash® Card leads 4 profiles (Grocery-heavy · Gas-heavy · Travel-heavy · Everyday spending). The other card leads or ties the rest, so where you actually spend decides this comparison.
How do the annual fees compare?
Annual fees: Chase Freedom Unlimited $0 · Citi Double Cash® Card $0. Both cards carry the same annual fee.
Where is the biggest gap?
Flights via travel portals is where Chase Freedom Unlimited leads by the most: 7.50% vs 3.00% (5x × 1.5¢ vs 2x × 1.5¢).
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
- DanHana data & verification method
- What is DanHana?
- Smart recommendations
- Chase Freedom Unlimited official page
- Citi Double Cash® Card official page
Page updated: October 28, 2026