Chase Freedom Unlimited vs Citi Double Cash 2022 [Which Is Best For You?]

When it comes to cash back credit cards the Chase Freedom Unlimited® and the Citi® Double Cash Card are usually at the top of the list. The Chase Freedom Unlimited vs Citi Double Cash battle is one that is worth reading because there is a lot to look at when it comes to these two cards and finding out which one is best for you. Cash back rewards are an excellent choice because you can pretty much use them any way you want. And both of these cards give you the opportunity to do just that. 

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chase freedom unlimited vs citi double cash

 

Chase Freedom Unlimited vs Citi Double Cash Breakdown

What makes both of these cards so great is that you get all the rewards and benefits that they offer with no annual fee. Which is one less thing to worry about as far as how far and how much cash back you can earn. In the Chase Freedom Unlimited vs Citi Double Cash Card battle it will come down to the wire because they are both that good.

 

It’s also important to note that both of these cards require a good to excellent credit score. This is something that everyone should double check before they apply to make sure they have the best chance of getting approved. So let’s dive right in to find out which one is the best cash back credit card for you from these two great credit card companies.

 

Chase Freedom Unlimited

Key Features

  • Excellent signup bonus opportunity
  • 0 APR intro period on new purchases and balance transfers
  • Well above industry standard cash back on bonus categories
  • All other purchases earn standard cash back rate
  • No annual fee
  • And more
Learn More

 

The Chase Freedom Unlimited Card is a great cash back credit card that offers bonuses in certain categories that are on par with the other top cash back credit cards in this tier. You can use these categories to maximize your cash back earning potential and there is no limit or cap on the amount of cash back that you can earn in these categories.

After that you will earn a base cash back rate on everything else that you buy that is again equal to the industry standard for other cash back cards in the same category. There is also the opportunity to earn a welcome bonus after your first year, which is great for getting a huge bump in the amount of cash back that you earn. You also have access to the Chase Ultimate Rewards® portal that is stocked full of great redemption options and travel deals. All of this with no annual fee makes it a great option in the battle between the Chase Freedom Unlimited vs Citi Double Cash Card.

 

 

Citi Double Cash Card

Key Features

  • Earn well above industry standard cash back rewards rate on everything that you buy
  • Intro APR period offer for balance transfers (intro balance transfer fee may apply)
  • No annual fee
  • And more
Learn More

 

Next up we have one of the top cash back cards from Citi. This Citi Card makes earning cash back as simple and as easy as possible. And you are earning a base cash back rate that is nearly double that of all other cash back cards in the industry. While there are no bonus categories you can more than make up for it because of the awesome cash back rate you are earning on everything that you buy.

You get this simple and straightforward awesome cash back rate all for no annual fee. Be sure to check the current up to date offer to se if there are any signup bonus offers available and they come and go with the Citi Double Cash Card. All in all a strong competitor in the the face off of the Chase Freedom Unlimited vs Citi Double Cash Card.

 

Chase Freedom Unlimited vs Citi Double Cash Winner

Both of these cards offer a lot and just like every credit card offer is different, so is every person who wants to use them. This is what makes choosing a clear winner between two great cash back credit cards so difficult. If you are someone who likes to take advantage of bonus categories then the Chase Freedom Unlimited is a good choice. If you want to keep things simple than the Citi Double Cash card is a great choice because of it’s simplicity and elevated cash back rate on your everyday purchases.

Either way you are making a great choice and you should be happy with which ever card you go with. If you want to expand your search even more then here are a few alternative cards to consider for other credit card issuers.

 

Other Cash Back Card To Think About

 

Wells Fargo Active Cash® Card

Key Features

  • Earn an amazing elevated cash back rate on every purchase you make
  • Excellent sign-up bonus opportunity
  • Intro APR period on new purchases and balance transfer
  • No annual fee
  • And more
Learn More

 

The Wells Fargo Active Cash Card is right on par with the Citi Double Cash Card but it has a much better signup bonus offer. There are no bonus categories to juggle and no annual fee as well. Def. a card worth considering if you are looking for something in the cash back category.

 

Bank of America® Custom Cash Rewards Credit Card

Key Features

  • Great welcome bonus offer available
  • Elevated cash back rewards in certain categories
  • Standard cash back rewards on all non-bonus spending categories
  • Introductory offer APR period on balance transfers and new purchases
  • No annual fee
  • And more
Learn More

 

The Bank of America Custom Cash Card allows you to choose a category (including certain grocery stores) where you want to earn the most cash back. there is a cap on the rewards you earn on that category, but still a great perk. It would mainly be a competitor to the Chase Freedom Unlimited because of the bonus category features it has. Not bad for a non annual fee credit card.

 

Capital One SavorOne Cash Rewards Credit Card

Key Features

  • Huge rewards earning potential on purchase in the dining and entertainment category (eligible delivery service may also qualify)
  • Other categories have generous cash back rate, with base cash back rate on everything else
  • Great signup bonus offer
  • Introductory APR period on new purchases and balance transfers
  • No annual fee
  • And more
Learn More

 

If you like dining out and going to entertainment events then the Capital One SavorOne might be the better choice. These categories are where it shines but it also come with some other great bonus categories along with a great signup bonus offer. All of this with no annual fee means it is right up there with the other cards mentioned in this article depending on what your main spending habits are.

 

Blue Cash Preferred® Card from American Express

Key Features

  • Great welcome bonus offer
  • Excellent cash back rewards rate on bonus categories
  • Plenty of added benefits
  • There is an annual fee
  • And more
Learn More

 

If you are looking for elevated cash back rewards and a ton of added benefits over many other cash back cards then the Blue Cash Preferred Card should be on your list. It does come with an annual fee but if you can take take advantage of all the extras that it comes with then you can more than make up for it. While it is one of the few cash back credit cards that comes with an annual fee Amex tries to justify it with these great benefits. So be sure to check the up to date current offer to see what is included because it might be worth taking advantage of.

 

Chase Freedom Unlimited vs Citi Double Cash Conclusion

When it comes to the battle between the Chase Freedom Unlimited vs Citi Double Cash you have a lot to consider. Both making earning cash back easy and you have plenty of redemption options too. From a statement credit, to travel redemptions, straight cash back, gift cards and more, you are certain to find value in the cash back rewards you earn. When looking into the best credit cards for cash back rewards these two should be on everyones list because of their popularity and the features that they come with. You want to be able to maximize your everyday spending and both of these crds can do just that. It’s just a matter to deciding which one does it better.

The cash back credit card market is fiercely competitive and that is why there are so many choices. Each one is different and, like we said before, every person that is looking for a new credit card spends differently. This is why we added some alternative options to this breakdown of the Chase Freedom Unlimited vs Citi Double Cash Card. We want to make sure that you get the most out of the money you spend and if cash back is what you want then you can find some great options here.

We want to thank you for taking the time to read our article on the Chase Freedom Unlimited vs Citi Double Cash Card. Here at Casavvy we want to do the research for you so that you can spend more time enjoying a new credit card and less time researching them. With so many credit card offers out there we want to make it easy by putting all of the best ones in a single place. If you want even more options to look at feel free to check out our credit card categories page to compare credit cards side by side in each of their respective niches. We know that there are many options online when it comes to comparing credit cards and we are grateful that you took the time to visit our site. Thank you again and we hope you have a wonderful rest of your day.

 

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