Chase Freedom Unlimited vs Citi Double Cash
At typical spending, the Citi Double Cash comes out ahead by about $672 a year ($1,739 vs $1,067). The Chase Freedom Unlimited earns more on dining and flights & hotels. The Citi Double Cash earns more on groceries, rent, gas & transit, streaming, online shopping and everything else. Which one wins for you depends on where your money actually goes.
Chase Freedom UnlimitedNo annual fee
Citi Double CashNo annual fee
| Chase Freedom Unlimited | Citi Double Cash | |
|---|---|---|
| Est. value/yr at typical spending | $1,067 | $1,739 |
| Annual fee | $0 | $0 |
| Yearly credits | $0 | $0 |
| Fee after credits | $0 | $0 |
| Dining | 3x | 2x |
| Groceries | 1.5x | 2x |
| Flights & hotels | 5x | 2x |
| Rent | 1.5x | 2x |
| Gas & transit | 1.5x | 2x |
| Streaming | 1.5x | 2x |
| Online shopping | 1.5x | 2x |
| Everything else | 1.5x | 2x |
| Transfer partners | Cash back | 16 |
| Lounge access | No | No |
Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
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