Chase Freedom Unlimited vs Citi Double Cash
Side-by-side comparison of rewards, fees, and benefits
Chase Freedom Unlimited
Chase
30,000 pts bonus
Citi Double Cash
Citi
20,000 pts bonus
Redemption Strategy
How you redeem points affects their value. Cash back is simplest, transfer partners offer the best value but require more effort.
Booking through the card issuer's travel site. Point values adjust automatically.
Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers. | Chase Freedom UnlimitedChase | Citi Double CashCiti |
|---|---|---|
Annual Fee | $0 | $0 |
Sign-Up Bonus | 30,000 pts | 20,000 pts |
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners). | 1.0¢(Travel Portal) | 1.0¢(Travel Portal) |
Dining | 3x | 2x |
Grocery | 1.5x | 2x |
Flights | 5x | 2x |
Hotels | 5x | 2x |
Gas | 1.5x | 2x |
Online Shopping | 1.5x | 2x |
Everything Else | 1.5x | 2x |
Streaming Subscriptions like Netflix, Spotify, Disney+, etc. | 1x | 1x |
Internet Home internet and cable bills. | 1x | 1x |
Phone Cell phone bills (may incur processing fees). | 1x | 1x |
Travel/Airline Credit | - | - |
Est. Perks Value | - | - |
Lounge Access | No | No |
* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).
Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.
CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.
Quick Verdict
Analyzing cards...
Compare Different Cards
Find Your Perfect Card Combination
Our Wallet Optimizer analyzes your spending across all categories to recommend the best cards for your lifestyle.
Optimize My Wallet