{"id":5020,"date":"2023-10-24T00:18:08","date_gmt":"2023-10-24T00:18:08","guid":{"rendered":"https:\/\/mer.tours\/citi-double-cash-vs-chase-freedom-unlimited-which-no-annual-fee-cash-back-card-is-best\/"},"modified":"2023-10-24T00:18:08","modified_gmt":"2023-10-24T00:18:08","slug":"citi-double-cash-vs-chase-freedom-unlimited-which-no-annual-fee-cash-back-card-is-best","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/citi-double-cash-vs-chase-freedom-unlimited-which-no-annual-fee-cash-back-card-is-best\/","title":{"rendered":"Citi Double Cash vs. Chase Freedom Unlimited: Which no-annual-fee cash back card is best?"},"content":{"rendered":"

<\/p>\n

\n

You might think you must pay an annual fee<\/a> to get a good rewards credit card. But with offerings such as the Citi\u00ae Double Cash Card<\/a><\/span> (see rates and fees<\/a>) and the Chase Freedom Unlimited<\/a><\/span> from two top credit card providers, you can earn cash back without paying for the privilege.<\/p>\n

Both of these cards offer very good cash-back rates on everyday purchases. While the Citi Double Cash earns a higher rate of 2% back (1% when you buy and 1% as you pay) compared to 1.5% on the Chase Freedom Unlimited, the latter can compensate for that with even higher rates in certain bonus categories. Both cards also allow you to convert your cash back into valuable transferable points<\/a> for even more value.<\/p>\n

How do these cards compare to each other? Which one makes it easiest to rack up the cash rewards fast? We’ll look at how two of the best credit cards<\/a> stack up in a head-to-head comparison.<\/p>\n

<\/p>\n

Citi Double Cash vs. Chase Freedom Unlimited comparison
\n<\/h2>\n
\n
\n\n\n\n\n\n\n\n\n\n\n
Feature<\/strong><\/th>\nCiti Double Cash<\/strong><\/th>\nChase Freedom Unlimited<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Welcome offer<\/strong><\/td>\nNone<\/td>\nAutomatically match all the cash back you’ve earned in the first 12 months, with no limit<\/td>\n<\/tr>\n
Everyday spending earning rate<\/strong><\/td>\n2% cash back on purchases (1% when you use the card and 1% when you pay)<\/td>\n5% back on travel booked through Chase Ultimate Rewards; 3% on dining (including takeout and eligible delivery services) and at drugstores; 1.5% unlimited on all other purchases<\/td>\n<\/tr>\n
Bonus categories<\/strong><\/td>\nNone<\/td>\nTravel booked through the Ultimate Rewards portal, dining (including takeout and eligible delivery services), and drugstores<\/td>\n<\/tr>\n
Transfer partners<\/strong><\/td>\n3 if you only hold the Double Cash or 18 if you also hold a premium Citi card<\/td>\nNone if you only hold the Chase Freedom Unlimited or 14 if you also hold a premium Chase card<\/td>\n<\/tr>\n
Annual fee<\/strong><\/td>\nNone<\/td>\nNone<\/td>\n<\/tr>\n
Foreign transaction fees<\/strong><\/td>\n3%<\/td>\n3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

<\/p>\n

Citi Double Cash vs. Chase Freedom Unlimited welcome offer<\/h2>\n

Unfortunately, the Citi Double Cash<\/a><\/span> has no current public welcome offer.<\/p>\n

On the other hand, the Freedom Unlimited<\/a><\/span> is offering perhaps the best welcome offer in the card’s history: Chase will automatically match all the cash back you’ve earned in the first 12 months with no limit, doubling the card’s earnings rates through the first year.<\/p>\n

\n