Chase Freedom Unlimited vs Citi Double Cash
Chase Freedom Unlimited and Citi Double Cash are roughly even on year-1 math at 1.8¢/pt.
Quick verdict
Chase Freedom Unlimited and Citi Double Cash are roughly even on year-1 math at 1.8¢/pt
Chase Freedom Unlimited: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. Citi Double Cash: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Freedom Unlimited | Citi Double Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | 20,000 pts after $500 in 3mo | 20,000 pts after $1,500 in 6mo |
| Welcome bonus value @ 1.8¢ | $360 | $360 |
| Free-night cert | — | — |
| Recurring credits / year | $0 | $0 |
| Year-1 net @ 1.8¢ | $360 | $360 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Freedom Unlimited
0 recurring credits
No recurring credits listed in our catalog for this card.
Citi Double Cash
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Chase Freedom Unlimited if
you prefer the Chase Ultimate ecosystem (Chase Ultimate portal, Chase Ultimate transfer partners, Chase Ultimate elite status path).
Pick Citi Double Cash if
you prefer the Citi ThankYou ecosystem (Citi ThankYou portal, Citi ThankYou transfer partners, Citi ThankYou elite status path).