Card Comparison
Chase Freedom Unlimited vs Citi Thank You
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
None
Top Earn Rates
- Chase Travel 5x
- Dining 3x
- Drugstores 3x
- Gas Stations 5x
- All Other Purchases 1x
Reward Type
miles
miles
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 Thank You
Is the Chase Freedom Unlimited or Citi Thank You better for dining?
Chase Freedom Unlimited earns 3x on dining; Citi Thank You 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 Thank You offers no current bonus. 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 Thank You?
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 Thank You is from Citi, so they're governed by separate bank policies.