The Chase Freedom Unlimited edges out the Citi Custom Cash for most cardholders — it wins on 1 of 4 comparison categories and offers $200 signup bonus. The Citi Custom Cash is the better choice if you prioritize a different rewards ecosystem.
Chase Freedom Unlimited vs Citi Custom Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Chase Travel 5x
- Dining 3x
- Drugstores 3x
- Top Eligible Category 5x
- All Other Purchases 1x
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 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 $200 signup bonus. Citi Custom Cash offers $2 signup bonus (spend $1,500 in 6 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.