Card Comparison
Chase Freedom Unlimited vs Citi Custom Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
30,000 points
Spend $500 in 3 months
$200 credit
Spend $1,500 in 3 months
Top Earn Rates
- Chase Travel 5x
- Dining 3x
- Drugstores 3x
- Top Eligible Category 5x
- All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Chase Freedom Unlimited vs Citi Custom Cash
Is the Chase Freedom Unlimited or Citi Custom Cash better for dining?
Chase Freedom Unlimited earns 3x on dining; Citi Custom Cash has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Freedom Unlimited currently offers 30,000 pts signup bonus (spend $500 in 3 months). Citi Custom Cash offers $200 signup bonus (spend $1,500 in 3 months). Chase Freedom Unlimited has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Freedom Unlimited and the Citi Custom Cash?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Unlimited is from Chase and Citi Custom Cash is from Citi, so they're governed by separate bank policies.