Citi® Double Cash Card – 18 month BT offer vs. Chase Freedom Unlimited® credit card Cash Back Credit Card Comparison

Written by |

If you are looking for an everyday cash back credit card in 2022, the Citi® Double Cash Card – 18 month BT offer and the Chase Freedom Unlimited® credit card are both good choices, though they offer slightly different approaches to their rewards programs.

The Double Cash offers an unlimited 2% cash back (1% when you buy, 1% when you pay for those purchases), while the Freedom Unlimited offers unlimited 1.5% cash back with bonus rewards categories on select purchases. Each ranks among our top cash back credit cards.

Money expert Clark Howard has the Citi Double Cash in his wallet because he enjoys the certainty of getting 2% cash back every time he makes a purchase. Are you better off following that tactic, or could you gain a better return on your spending with the Freedom Unlimited card’s bonus opportunities?

The answer likely will depend on your spending habits, but it’s something we’ll try to help you determine with this comparison of the two popular cash back credit cards.

Table of Contents

Quick Card Comparison

Credit Card PerkCiti® Double Cash Card - 18 month BT offerChase Freedom Unlimited® credit card
Annual Fee$0$0
Cash Back RewardsUnlimited 2%: 1% when you buy, 1% when you payUnlimited 1.5% + Category Bonuses
Intro APR Period for New PurchasesNoYes
Intro APR Period for Balance TransfersYesYes
Welcome Bonus OpportunityNoneNone
Foreign Transaction Fees3%3%
Balance Transfer Fee$5 or 3%, whichever is greater$5 or 5%, whichever is greater
Apple App Rating4.9 out of 54.8 out of 5
Google App Rating4.6 out of 54.4 out of 5

Card Overview: Citi® Double Cash Card – 18 month BT offer

The marketing pitch for the Citi Double Cash is that you earn 1% cash back when you make a purchase and then another 1% cash back when you pay the bill on that purchase. And with no category spending limits, that’s 2% cash back — unlimited!

Here’s a quick look at some of the other top perks to consider with this card:

  • Introductory Balance Transfer Period: Citi offers an 18-month introductory APR period for balance transfers (you’re subject to normal APR rates based on creditworthiness after the introductory period ends). To qualify for this perk, you must make the transfer within the first four months of your card membership. And it will be subject to a fee of either $5 or 3% of the transfer balance (whichever is greater).
  • $0 Fraud Liability Protection: Citi offers full fraud protection on this card, meaning you will not be held personally responsible for any fraudulent charges made with this card.
  • Lost Wallet Service: If you lose your credit card, Citi says it can get a replacement card in your hands as soon as 24 hours after you report your card lost. Citi also can provide you with a cash advance to help you until your new card has arrived.
  • Citi Entertainment: This card gives you access to the Citi Entertainment portal, which can help you with things like presales for events or discounted ticketing.

For a deeper dive into the Citi Double Cash, check out Team Clark’s full review of the card here.

Card Overview: Chase Freedom Unlimited® credit card

The Chase Freedom Unlimited card long has been known for its unlimited 1.5% cash back reward, but it recently added some new categories that make it a real contender in this card category.

In addition to the 1.5% unlimited cash back you’ll get on everyday purchases, here are the new categories that earn additional cash back bonuses:

  • 5% on travel purchased through Chase Ultimate Rewards
  • 3% on dining (including takeout and delivery services)
  • 3% on drug store purchases

And now, for a limited time, the card has an introductory offer that enhances these cash back returns for new users. Here’s a quick look at how that works:

  • Earn an additional 1.5% cash back on everything you buy on up to $20,000 spent in the first year. That’s worth up to $300 cash back.
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

Spending Comparison

For most people, the choice between these two cards is going to boil down to which one offers them the best long-term opportunities to earn everyday cash back rewards.

Given that this may vary based on your spending habits, we have decided to give some monthly spending examples to help you get a better idea of which card could be right for you.

For the purposes of this comparison, we have excluded promotional or welcome bonus offers to give you a clearer long-term picture. (That means we won’t focus on the Year 1 gas station benefits from the Chase Freedom Unlimited card, which could net you up to an additional $300 in cash back earnings.)

Remember, the unlimited cash back rate for the Citi Double Cash is 2%. The Chase Freedom Unlimited card offers 1.5% on everyday purchases, but gives 3% on dining and drug store purchases.

Monthly Everyday SpendingMonthly Dining SpendingMonthly Drug Store SpendingCash Back from Citi Double CashCash Back from Chase Freedom Unlimited

I did not include the 5% travel bonus for the Freedom Unlimited card because it applies only to purchases made with Chase’s travel program, but that’s another area where you could occasionally beat the Double Cash with a large monthly spend.

Key Differences Between the Cards

Let’s take a look at three areas in which these cards have clear differences that you’ll have to consider as you make your decision:

Chase’s Bonus Categories Require Some Math

As you saw in the spending samples above, you’re going to need to do a little bit of math to see what your annual rewards may look like with the Freedom Unlimited.

Meanwhile, the Citi Double Cash is pretty straightforward with its unlimited 2% cash back. If you’re following Clark’s advice by paying your bill in full each month, you’ll see that 1% when you buy and the other 1% when you pay your bill.

You’ll need to analyze your spending habits to determine if the Chase bonus categories give you a chance to elevate the cash back return enough to make up the half-percent (1.5% vs. 2%) when compared to the Double Cash.

Chase Offers Two Key Welcome Bonuses

This is an area where Chase clearly has Citi beat on these cash back cards.


In the first year you have the card, not only can you easily earn $200 by spending $500 or more with your Freedom Unlimited card, but you also can earn up to $300 in cash back with a 5% gas station welcome bonus.

As of this writing, Citi does not offer a welcome bonus promotion for the Double Cash card.

Keep in mind that Clark does not recommend making a long-term decision on a credit card based on the short-term gains of a welcome bonus. So while Chase wins this contest, make sure that you don’t place too much weight on it because you’ll be using your card for years to come.

Introductory APR Offers: New Purchases vs. Balance Transfers

Both cards offer an introductory APR period, but the offers are different.

With the Double Cash, you get a balance transfer offer. This comes with a 3% balance transfer fee. So if you want to bring $1,000 of existing credit card debt to your new Citi card you can expect to pay $30 in transfer fees.

Meanwhile, the Freedom Unlimited offers an introductory APR period on both balance transfers and new purchases. This period begins when you open your account, and any balance remaining from purchases made under this promotion will be subject to interest fees once the promotional period expires.

Remember, Clark is not a fan of spending on an introductory APR for new purchases because of the temptation to spend money you may not actually have. However, he is a proponent of taking advantage of balance transfer offers if you’re able to use them to get yourself out of credit card debt.

Final Thoughts

Both of these cash back credit cards have merit as everyday spenders. It depends on your spending habits and personal preferences.

If you’re the kind of person who likes to know that you’re getting 2% on everything you buy with complete certainty, you’re on Clark’s team with the Citi Double Cash.

If you know you’re going to spend enough on things in the Chase Freedom Unlimited bonus categories, there’s a chance you’ll make up the difference even though the Freedom Unlimited pays half-a-percent less in rewards on everyday purchases.


More Content You May Like:

How Many Credit Cards Should I Have? How Many Credit Cards Should I Have? - Are you worried that the number of credit cards you have could have a negative impact on your financial life? Is there a “right” number of credit cards for one person to have in 2023? The answer is a little…
Welcome bonuses can be a great way to boost the value of a credit card. Best Credit Card Sign-up Bonuses for 2023 - If you're in the market for a new credit card in 2023, you may be hoping to cash in on the hundreds of dollars in sign-up bonuses offered to new customers. Welcome bonuses and offers are a marketing tool that…