Card database → Citi Double Cash® Card vs Chase Freedom Unlimited
Citi Double Cash® Card vs Chase Freedom Unlimited
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | Citi Double Cash® Card | Chase Freedom Unlimited |
|---|---|---|
| Dining | 2.0¢/$ (2%) | 3.0¢/$ (3%) |
| Groceries | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Gas | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Travel | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Flights | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Hotels | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Streaming | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Online retail | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Issuer travel portal | 5.0¢/$ (5%) | 5.0¢/$ (5%) |
| Drugstores | 2.0¢/$ (2%) | 3.0¢/$ (3%) |
| Everything else | 2.0¢/$ (2%) | 1.5¢/$ (1.5%) |
| Annual fee | None | None |
| Statement credits (max/yr) | — | — |
| Foreign transaction fee | 3% | 3% |
| Signup bonus | — | 20,000 after $500/3mo |
| Offer last confirmed | — | 2026-09-14 |
Citi Double Cash® Card wins more of the everyday categories (8 of 11), but Chase Freedom Unlimited still wins where you might spend most — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
More comparisons: Citi Double Cash® Card vs Chase Freedom Flex · Citi Double Cash® Card vs Sapphire Reserve for Business · Citi Double Cash® Card vs Chase Sapphire Reserve · Chase Freedom Unlimited vs Chase Sapphire Preferred