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CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Unlimited vs Citi Double Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Unlimited card art
Chase Ultimate Rewards
Chase Freedom Unlimited
Chase
More Info
Citi Double Cash card art
Citi ThankYou Points
Citi Double Cash
Citi
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
30,000 points
Spend $500 in 3 months
$200 credit
Spend $1,500 in 6 months
Top Earn Rates
  • Chase Travel 5x
  • Dining 3x
  • Drugstores 3x
  • Citi Travel 5x
  • All Other Purchases 2x
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
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Common Questions: Chase Freedom Unlimited vs Citi Double Cash

Is the Chase Freedom Unlimited or Citi Double Cash better for dining?

Chase Freedom Unlimited earns 3x on dining; Citi Double 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 Double Cash offers $200 signup bonus (spend $1,500 in 6 months). Chase Freedom Unlimited has the larger bonus.

Which card is better for international travel?

Chase Freedom Unlimited charges no foreign transaction fees — the better pick for international use. Citi Double Cash charges 3% on foreign purchases.

Can I hold both the Chase Freedom Unlimited and the Citi Double 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 Double Cash is from Citi, so they're governed by separate bank policies.