Citi Double Cash vs Chase Freedom Unlimited
Citi Double Cash pays $81 a year more than Chase Freedom Unlimited, year one and every year after.
Both cards, the same math, for a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else.
Pays more$668Citi Double Cash · year one
$587Chase Freedom Unlimited · year one
Side by side
The terms are each issuer’s own, verified on the date in the table. The math below them is our engine’s, for a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else.
Where the gap comes from
The widest line is groceries: Citi Double Cash +$192, Chase Freedom Unlimited +$144, $48 in favour of Citi Double Cash.
At $900 a month or more on dining, with the rest unchanged, Chase Freedom Unlimited pays more every year after year one.
Where the numbers came from: Citi’s page for the Citi Double Cash, verified October 2, 2026, and Chase’s page for the Chase Freedom Unlimited, verified October 2, 2026. The method is on how we pick.
Our math counts what the data holds: earn rates, the bonus, credits and fees. Each card’s own page lists its plain facts. Confirm the current offer with the issuer before you apply.
Where these cards show up
- Citi Double CashCiti · for one card on everything, 2x
- Chase Freedom UnlimitedChase · for dining, 3x and 1.5x on the rest
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
- Wells Fargo Active Cash vs Citi Double CashCiti Double Cash pays $100 more in year one, then the two pay the same.
- Capital One Quicksilver vs Citi Double CashCiti Double Cash pays $117 a year more than Capital One Quicksilver, year one and every year after.
- Wells Fargo Active Cash vs Chase Freedom UnlimitedChase Freedom Unlimited pays $19 more in year one, then Wells Fargo Active Cash pays $81 more every year after.
- Chase Freedom Flex vs Chase Freedom UnlimitedChase Freedom Unlimited pays $105 a year more than Chase Freedom Flex, year one and every year after.