Chase Freedom Unlimited vs Citi Double Cash — which is worth it to you?
The Chase Freedom Unlimited (no annual fee) and the Citi Double Cash (no annual fee) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Neither card charges an annual fee, so the only real question is which one earns more on your spending. The Chase Freedom Unlimited earns Chase Ultimate Rewards while the Citi Double Cash earns Citi ThankYou Points. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
The Chase Freedom Unlimited also has a bonus on dining (3x) and drugstores (3x), with nothing to match it on the Citi Double Cash.
The Chase Freedom Unlimited comes with 1 statement credit, the biggest being $10/quarter DoorDash Promo ($40/yr). The Citi Double Cash has none. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry extended warranty. The Chase Freedom Unlimited also has memberships, purchase protection, rental car collision coverage and trip cancellation, with no equivalent on the Citi Double Cash.
Chase Freedom Unlimited
Chase · No annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Chase Travel portal bookings
- 3x Dining at restaurants
- 3x Drugstore purchases
- 2x Lyft rides
- 1.5x Everything else
Statement credits (1)
- $10/quarter DoorDash Promo — A $10 promo credit each quarter ($40/year) on DoorDash, with DashPass enrollment.
Full Chase Freedom Unlimited breakdown — 5 more benefits on the full page.
Citi Double Cash
Citi · No annual fee · earns Citi ThankYou Points
Earning rates
- 5x Hotels, car rentals & attractions via Citi Travel
- 2x Everything (1% when you buy + 1% as you pay)
Full Citi Double Cash breakdown — 1 more benefits on the full page.
Card data verified against issuer sources: Chase Freedom Unlimited on 2026-08-20, Citi Double Cash on 2026-08-20.
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